Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$95,035Cash toward the purchase price.
Closing costs + prepaids$9,431Not just lender fees.
Before credits & paid funds$104,466The complete starting cash picture.
Estimated remaining funds due at closing
$104,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,034.80
Your down payment$95,034.80
Closing costs + prepaids$9,430.75
Total buyer cash needed$104,465.55
Remaining funds due$104,465.55
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)$517.00
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$419.75
Fees + prepaids$9,430.75
Your down payment is the seller’s equity. You take over the $104,865 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $104,465.55 is due at closing. Uses and sources reconcile at $209,330.75 each. Not a Closing Disclosure.