Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$97,955Cash toward the purchase price.
Closing costs + prepaids$8,914Not just lender fees.
Before credits & paid funds$106,869The complete starting cash picture.
Estimated remaining funds due at closing
$106,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,954.76
Your down payment$97,954.76
Closing costs + prepaids$8,913.83
Total buyer cash needed$106,868.59
Remaining funds due$106,868.59
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)$228.75
Prepaid interest, first (23 days)$360.08
Fees + prepaids$8,913.83
Your down payment is the seller’s equity. You take over the $112,045 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $106,868.59 is due at closing. Uses and sources reconcile at $218,913.83 each. Not a Closing Disclosure.