Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$68,019Cash toward the purchase price.
Closing costs + prepaids$9,728Not just lender fees.
Before credits & paid funds$77,746The complete starting cash picture.
Estimated remaining funds due at closing
$77,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,018.94
Your down payment$68,018.94
Closing costs + prepaids$9,727.52
Total buyer cash needed$77,746.46
Remaining funds due$77,746.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,172.75
Prepaid interest, first (24 days)$329.77
Fees + prepaids$9,727.52
Your down payment is the seller’s equity. You take over the $131,981 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $77,746.46 is due at closing. Uses and sources reconcile at $209,727.52 each. Not a Closing Disclosure.