Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,506Cash toward the purchase price.
Closing costs + prepaids$9,762Not just lender fees.
Before credits & paid funds$121,268The complete starting cash picture.
Estimated remaining funds due at closing
$121,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,506.15
Your down payment$111,506.15
Closing costs + prepaids$9,761.94
Total buyer cash needed$121,268.09
Remaining funds due$121,268.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.99
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)$327.25
Initial HOA (3 months)$879.00
Prepaid interest, first (31 days)$330.70
Fees + prepaids$9,761.94
Your down payment is the seller’s equity. You take over the $88,493 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $121,268.09 is due at closing. Uses and sources reconcile at $209,760.94 each. Not a Closing Disclosure.