Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,033Cash toward the purchase price.
Closing costs + prepaids$9,397Not just lender fees.
Before credits & paid funds$91,430The complete starting cash picture.
Estimated remaining funds due at closing
$91,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,033.48
Your down payment$82,033.48
Closing costs + prepaids$9,396.57
Total buyer cash needed$91,430.05
Remaining funds due$91,430.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$587.75
Prepaid interest, first (25 days)$483.82
Fees + prepaids$9,396.57
Your down payment is the seller’s equity. You take over the $127,967 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $91,430.05 is due at closing. Uses and sources reconcile at $219,396.57 each. Not a Closing Disclosure.