Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$91,893Cash toward the purchase price.
Closing costs + prepaids$8,620Not just lender fees.
Before credits & paid funds$100,513The complete starting cash picture.
Estimated remaining funds due at closing
$100,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,893.22
Your down payment$91,893.22
Closing costs + prepaids$8,619.98
Total buyer cash needed$100,513.21
Remaining funds due$100,513.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.00
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)$376.75
Prepaid interest, first (1 days)$19.23
Fees + prepaids$8,619.98
Your down payment is the seller’s equity. You take over the $108,007 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $100,513.21 is due at closing. Uses and sources reconcile at $208,519.98 each. Not a Closing Disclosure.