Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$200,023Cash toward the purchase price.
Closing costs + prepaids$10,216Not just lender fees.
Before credits & paid funds$210,239The complete starting cash picture.
Estimated remaining funds due at closing
$210,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,023.07
Your down payment$200,023.07
Closing costs + prepaids$10,216.36
Total buyer cash needed$210,239.43
Remaining funds due$210,239.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$776.50
Prepaid interest, first (31 days)$415.86
Fees + prepaids$10,216.36
Your down payment is the seller’s equity. You take over the $79,877 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $210,239.43 is due at closing. Uses and sources reconcile at $290,116.36 each. Not a Closing Disclosure.