Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$102,123Cash toward the purchase price.
Closing costs + prepaids$8,985Not just lender fees.
Before credits & paid funds$111,108The complete starting cash picture.
Estimated remaining funds due at closing
$111,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,123.17
Your down payment$102,123.17
Closing costs + prepaids$8,985.10
Total buyer cash needed$111,108.26
Remaining funds due$111,108.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,990.00
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)$512.75
Prepaid interest, first (24 days)$257.35
Fees + prepaids$8,985.10
Your down payment is the seller’s equity. You take over the $96,877 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $111,108.26 is due at closing. Uses and sources reconcile at $207,985.10 each. Not a Closing Disclosure.