Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$61,162Cash toward the purchase price.
Closing costs + prepaids$8,879Not just lender fees.
Before credits & paid funds$70,041The complete starting cash picture.
Estimated remaining funds due at closing
$70,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,161.92
Your down payment$61,161.92
Closing costs + prepaids$8,879.38
Total buyer cash needed$70,041.30
Remaining funds due$70,041.30
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)$631.25
Prepaid interest, first (2 days)$23.13
Fees + prepaids$8,879.38
Your down payment is the seller’s equity. You take over the $138,838 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $70,041.30 is due at closing. Uses and sources reconcile at $208,879.38 each. Not a Closing Disclosure.