Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$88,327Cash toward the purchase price.
Closing costs + prepaids$9,318Not just lender fees.
Before credits & paid funds$97,646The complete starting cash picture.
Estimated remaining funds due at closing
$97,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,327.40
Your down payment$88,327.40
Closing costs + prepaids$9,318.15
Total buyer cash needed$97,645.55
Remaining funds due$97,645.55
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)$784.75
Prepaid interest, first (24 days)$308.40
Fees + prepaids$9,318.15
Your down payment is the seller’s equity. You take over the $111,673 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $97,645.55 is due at closing. Uses and sources reconcile at $209,318.15 each. Not a Closing Disclosure.