Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,133Cash toward the purchase price.
Closing costs + prepaids$8,690Not just lender fees.
Before credits & paid funds$59,823The complete starting cash picture.
Estimated remaining funds due at closing
$59,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,132.67
Your down payment$51,132.67
Closing costs + prepaids$8,689.86
Total buyer cash needed$59,822.53
Remaining funds due$59,822.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$415.75
Prepaid interest, first (2 days)$49.11
Fees + prepaids$8,689.86
Your down payment is the seller’s equity. You take over the $148,867 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $59,822.53 is due at closing. Uses and sources reconcile at $208,689.86 each. Not a Closing Disclosure.