Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$119,099Cash toward the purchase price.
Closing costs + prepaids$9,194Not just lender fees.
Before credits & paid funds$128,293The complete starting cash picture.
Estimated remaining funds due at closing
$128,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,098.54
Your down payment$119,098.54
Closing costs + prepaids$9,194.05
Total buyer cash needed$128,292.59
Remaining funds due$128,292.59
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)$285.25
Initial HOA (3 months)$231.00
Prepaid interest, first (31 days)$452.80
Fees + prepaids$9,194.05
Your down payment is the seller’s equity. You take over the $80,901 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $128,292.59 is due at closing. Uses and sources reconcile at $209,194.05 each. Not a Closing Disclosure.