Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$74,254Cash toward the purchase price.
Closing costs + prepaids$8,882Not just lender fees.
Before credits & paid funds$83,136The complete starting cash picture.
Estimated remaining funds due at closing
$83,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,254.17
Your down payment$74,254.17
Closing costs + prepaids$8,882.24
Total buyer cash needed$83,136.41
Remaining funds due$83,136.41
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)$359.75
Prepaid interest, first (29 days)$298.49
Fees + prepaids$8,882.24
Your down payment is the seller’s equity. You take over the $125,646 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $83,136.41 is due at closing. Uses and sources reconcile at $208,782.24 each. Not a Closing Disclosure.