Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$59,932Cash toward the purchase price.
Closing costs + prepaids$9,234Not just lender fees.
Before credits & paid funds$69,166The complete starting cash picture.
Estimated remaining funds due at closing
$69,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,932.09
Your down payment$59,932.09
Closing costs + prepaids$9,233.85
Total buyer cash needed$69,165.94
Remaining funds due$69,165.94
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)$500.00
Prepaid interest, first (30 days)$508.85
Fees + prepaids$9,233.85
Your down payment is the seller’s equity. You take over the $140,068 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $69,165.94 is due at closing. Uses and sources reconcile at $209,233.85 each. Not a Closing Disclosure.