Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$88,081Cash toward the purchase price.
Closing costs + prepaids$9,036Not just lender fees.
Before credits & paid funds$97,116The complete starting cash picture.
Estimated remaining funds due at closing
$97,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,080.51
Your down payment$88,080.51
Closing costs + prepaids$9,035.51
Total buyer cash needed$97,116.01
Remaining funds due$97,116.01
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)$784.75
Prepaid interest, first (2 days)$25.76
Fees + prepaids$9,035.51
Your down payment is the seller’s equity. You take over the $111,919 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $97,116.01 is due at closing. Uses and sources reconcile at $209,035.51 each. Not a Closing Disclosure.