Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$116,543Cash toward the purchase price.
Closing costs + prepaids$9,099Not just lender fees.
Before credits & paid funds$125,642The complete starting cash picture.
Estimated remaining funds due at closing
$125,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,543.03
Your down payment$116,543.03
Closing costs + prepaids$9,098.64
Total buyer cash needed$125,641.67
Remaining funds due$125,641.67
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)$540.00
Prepaid interest, first (25 days)$233.64
Fees + prepaids$9,098.64
Your down payment is the seller’s equity. You take over the $93,457 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $125,641.67 is due at closing. Uses and sources reconcile at $219,098.64 each. Not a Closing Disclosure.