Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$108,047Cash toward the purchase price.
Closing costs + prepaids$8,701Not just lender fees.
Before credits & paid funds$116,748The complete starting cash picture.
Estimated remaining funds due at closing
$116,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,046.75
Your down payment$108,046.75
Closing costs + prepaids$8,701.09
Total buyer cash needed$116,747.84
Remaining funds due$116,747.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,990.00
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)$360.00
Initial HOA (3 months)$111.99
Prepaid interest, first (2 days)$14.10
Fees + prepaids$8,701.09
Your down payment is the seller’s equity. You take over the $90,953 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $116,747.84 is due at closing. Uses and sources reconcile at $207,701.09 each. Not a Closing Disclosure.