Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$200,324Cash toward the purchase price.
Closing costs + prepaids$9,681Not just lender fees.
Before credits & paid funds$210,005The complete starting cash picture.
Estimated remaining funds due at closing
$210,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,324.40
Your down payment$200,324.40
Closing costs + prepaids$9,680.59
Total buyer cash needed$210,004.99
Remaining funds due$210,004.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$277.75
Prepaid interest, first (26 days)$278.84
Fees + prepaids$9,680.59
Your down payment is the seller’s equity. You take over the $89,576 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $210,004.99 is due at closing. Uses and sources reconcile at $299,580.59 each. Not a Closing Disclosure.