Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$107,577Cash toward the purchase price.
Closing costs + prepaids$8,713Not just lender fees.
Before credits & paid funds$116,290The complete starting cash picture.
Estimated remaining funds due at closing
$116,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,577.15
Your down payment$107,577.15
Closing costs + prepaids$8,712.70
Total buyer cash needed$116,289.85
Remaining funds due$116,289.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$180.75
Prepaid interest, first (19 days)$306.95
Fees + prepaids$8,712.70
Your down payment is the seller’s equity. You take over the $92,423 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $116,289.85 is due at closing. Uses and sources reconcile at $208,712.70 each. Not a Closing Disclosure.