Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$107,429Cash toward the purchase price.
Closing costs + prepaids$10,055Not just lender fees.
Before credits & paid funds$117,484The complete starting cash picture.
Estimated remaining funds due at closing
$117,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,428.77
Your down payment$107,428.77
Closing costs + prepaids$10,055.43
Total buyer cash needed$117,484.20
Remaining funds due$117,484.20
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)$1,520.00
Prepaid interest, first (30 days)$310.43
Fees + prepaids$10,055.43
Your down payment is the seller’s equity. You take over the $92,571 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $117,484.20 is due at closing. Uses and sources reconcile at $210,055.43 each. Not a Closing Disclosure.