Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$104,834Cash toward the purchase price.
Closing costs + prepaids$9,388Not just lender fees.
Before credits & paid funds$114,222The complete starting cash picture.
Estimated remaining funds due at closing
$114,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,834.41
Your down payment$104,834.41
Closing costs + prepaids$9,387.75
Total buyer cash needed$114,222.16
Remaining funds due$114,222.16
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)$629.25
Prepaid interest, first (31 days)$534.50
Fees + prepaids$9,387.75
Your down payment is the seller’s equity. You take over the $95,066 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $114,222.16 is due at closing. Uses and sources reconcile at $209,287.75 each. Not a Closing Disclosure.