Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$92,003Cash toward the purchase price.
Closing costs + prepaids$8,637Not just lender fees.
Before credits & paid funds$100,640The complete starting cash picture.
Estimated remaining funds due at closing
$100,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,003.40
Your down payment$92,003.40
Closing costs + prepaids$8,636.93
Total buyer cash needed$100,640.33
Remaining funds due$100,640.33
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)$240.00
Prepaid interest, first (9 days)$172.93
Fees + prepaids$8,636.93
Your down payment is the seller’s equity. You take over the $107,897 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $100,640.33 is due at closing. Uses and sources reconcile at $208,536.93 each. Not a Closing Disclosure.