Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$80,377Cash toward the purchase price.
Closing costs + prepaids$9,077Not just lender fees.
Before credits & paid funds$89,454The complete starting cash picture.
Estimated remaining funds due at closing
$89,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,376.99
Your down payment$80,376.99
Closing costs + prepaids$9,076.64
Total buyer cash needed$89,453.63
Remaining funds due$89,453.63
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)$625.50
Prepaid interest, first (23 days)$226.14
Fees + prepaids$9,076.64
Your down payment is the seller’s equity. You take over the $119,623 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $89,453.63 is due at closing. Uses and sources reconcile at $209,076.64 each. Not a Closing Disclosure.