Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$191,869Cash toward the purchase price.
Closing costs + prepaids$8,847Not just lender fees.
Before credits & paid funds$200,716The complete starting cash picture.
Estimated remaining funds due at closing
$200,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,869.09
Your down payment$191,869.09
Closing costs + prepaids$8,847.26
Total buyer cash needed$200,716.35
Remaining funds due$200,716.35
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)$620.25
Prepaid interest, first (2 days)$3.01
Fees + prepaids$8,847.26
Your down payment is the seller’s equity. You take over the $8,031 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $200,716.35 is due at closing. Uses and sources reconcile at $208,747.26 each. Not a Closing Disclosure.