Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$118,656Cash toward the purchase price.
Closing costs + prepaids$8,935Not just lender fees.
Before credits & paid funds$127,591The complete starting cash picture.
Estimated remaining funds due at closing
$127,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,656.08
Your down payment$118,656.08
Closing costs + prepaids$8,935.14
Total buyer cash needed$127,591.22
Remaining funds due$127,591.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,095.00
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)$311.25
Prepaid interest, first (30 days)$303.89
Fees + prepaids$8,935.14
Your down payment is the seller’s equity. You take over the $90,844 balance, so the rest of the $209,500 price is paid at closing. A second mortgage can cover part of it. $127,591.22 is due at closing. Uses and sources reconcile at $218,435.14 each. Not a Closing Disclosure.