Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$124,603Cash toward the purchase price.
Closing costs + prepaids$9,081Not just lender fees.
Before credits & paid funds$133,684The complete starting cash picture.
Estimated remaining funds due at closing
$133,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,602.73
Your down payment$124,602.73
Closing costs + prepaids$9,080.77
Total buyer cash needed$133,683.51
Remaining funds due$133,683.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.00
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)$602.00
Prepaid interest, first (26 days)$254.77
Fees + prepaids$9,080.77
Your down payment is the seller’s equity. You take over the $75,297 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $133,683.51 is due at closing. Uses and sources reconcile at $208,980.77 each. Not a Closing Disclosure.