Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$118,186Cash toward the purchase price.
Closing costs + prepaids$8,746Not just lender fees.
Before credits & paid funds$126,932The complete starting cash picture.
Estimated remaining funds due at closing
$126,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,186.05
Your down payment$118,186.05
Closing costs + prepaids$8,746.10
Total buyer cash needed$126,932.15
Remaining funds due$126,932.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$184.50
Prepaid interest, first (24 days)$237.60
Fees + prepaids$8,746.10
Your down payment is the seller’s equity. You take over the $91,714 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $126,932.15 is due at closing. Uses and sources reconcile at $218,646.10 each. Not a Closing Disclosure.