Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,719Cash toward the purchase price.
Closing costs + prepaids$8,795Not just lender fees.
Before credits & paid funds$71,514The complete starting cash picture.
Estimated remaining funds due at closing
$71,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,719.06
Your down payment$62,719.06
Closing costs + prepaids$8,794.76
Total buyer cash needed$71,513.82
Remaining funds due$71,513.82
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)$54.25
Prepaid interest, first (27 days)$516.51
Fees + prepaids$8,794.76
Your down payment is the seller’s equity. You take over the $137,181 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $71,513.82 is due at closing. Uses and sources reconcile at $208,694.76 each. Not a Closing Disclosure.