Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$93,051Cash toward the purchase price.
Closing costs + prepaids$8,451Not just lender fees.
Before credits & paid funds$101,501The complete starting cash picture.
Estimated remaining funds due at closing
$101,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,050.54
Your down payment$93,050.54
Closing costs + prepaids$8,450.76
Total buyer cash needed$101,501.30
Remaining funds due$101,501.30
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)$206.25
Prepaid interest, first (2 days)$19.51
Fees + prepaids$8,450.76
Your down payment is the seller’s equity. You take over the $106,949 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $101,501.30 is due at closing. Uses and sources reconcile at $208,450.76 each. Not a Closing Disclosure.