Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$100,867Cash toward the purchase price.
Closing costs + prepaids$9,269Not just lender fees.
Before credits & paid funds$110,136The complete starting cash picture.
Estimated remaining funds due at closing
$110,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,866.71
Your down payment$100,866.71
Closing costs + prepaids$9,269.32
Total buyer cash needed$110,136.03
Remaining funds due$110,136.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.99
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)$732.00
Prepaid interest, first (25 days)$312.33
Fees + prepaids$9,269.32
Your down payment is the seller’s equity. You take over the $99,132 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $110,136.03 is due at closing. Uses and sources reconcile at $209,268.32 each. Not a Closing Disclosure.