Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$84,772Cash toward the purchase price.
Closing costs + prepaids$8,864Not just lender fees.
Before credits & paid funds$93,636The complete starting cash picture.
Estimated remaining funds due at closing
$93,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,772.05
Your down payment$84,772.05
Closing costs + prepaids$8,864.15
Total buyer cash needed$93,636.20
Remaining funds due$93,636.20
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)$331.50
Prepaid interest, first (29 days)$317.65
Fees + prepaids$8,864.15
Your down payment is the seller’s equity. You take over the $114,228 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $93,636.20 is due at closing. Uses and sources reconcile at $207,864.15 each. Not a Closing Disclosure.