Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$122,448Cash toward the purchase price.
Closing costs + prepaids$8,820Not just lender fees.
Before credits & paid funds$131,268The complete starting cash picture.
Estimated remaining funds due at closing
$131,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,447.75
Your down payment$122,447.75
Closing costs + prepaids$8,819.85
Total buyer cash needed$131,267.60
Remaining funds due$131,267.60
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)$587.00
Prepaid interest, first (1 days)$8.85
Fees + prepaids$8,819.85
Your down payment is the seller’s equity. You take over the $77,452 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $131,267.60 is due at closing. Uses and sources reconcile at $208,719.85 each. Not a Closing Disclosure.