Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$105,096Cash toward the purchase price.
Closing costs + prepaids$9,104Not just lender fees.
Before credits & paid funds$114,200The complete starting cash picture.
Estimated remaining funds due at closing
$114,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,096.34
Your down payment$105,096.34
Closing costs + prepaids$9,103.98
Total buyer cash needed$114,200.32
Remaining funds due$114,200.32
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)$435.25
Prepaid interest, first (29 days)$344.73
Fees + prepaids$9,103.98
Your down payment is the seller’s equity. You take over the $104,804 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $114,200.32 is due at closing. Uses and sources reconcile at $219,003.98 each. Not a Closing Disclosure.