Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$196,001Cash toward the purchase price.
Closing costs + prepaids$8,627Not just lender fees.
Before credits & paid funds$204,629The complete starting cash picture.
Estimated remaining funds due at closing
$204,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,001.50
Your down payment$196,001.50
Closing costs + prepaids$8,627.47
Total buyer cash needed$204,628.97
Remaining funds due$204,628.97
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)$402.25
Prepaid interest, first (2 days)$1.22
Fees + prepaids$8,627.47
Your down payment is the seller’s equity. You take over the $3,899 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $204,628.97 is due at closing. Uses and sources reconcile at $208,527.47 each. Not a Closing Disclosure.