Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$160,930Cash toward the purchase price.
Closing costs + prepaids$9,578Not just lender fees.
Before credits & paid funds$170,509The complete starting cash picture.
Estimated remaining funds due at closing
$170,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,930.34
Your down payment$160,930.34
Closing costs + prepaids$9,578.31
Total buyer cash needed$170,508.65
Remaining funds due$170,508.65
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)$1,175.75
Prepaid interest, first (26 days)$177.56
Fees + prepaids$9,578.31
Your down payment is the seller’s equity. You take over the $39,070 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $170,508.65 is due at closing. Uses and sources reconcile at $209,578.31 each. Not a Closing Disclosure.