Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$82,696Cash toward the purchase price.
Closing costs + prepaids$8,837Not just lender fees.
Before credits & paid funds$91,533The complete starting cash picture.
Estimated remaining funds due at closing
$91,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,695.95
Your down payment$82,695.95
Closing costs + prepaids$8,837.26
Total buyer cash needed$91,533.21
Remaining funds due$91,533.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$490.50
Prepaid interest, first (2 days)$21.76
Fees + prepaids$8,837.26
Your down payment is the seller’s equity. You take over the $127,304 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $91,533.21 is due at closing. Uses and sources reconcile at $218,837.26 each. Not a Closing Disclosure.