Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$154,451Cash toward the purchase price.
Closing costs + prepaids$8,290Not just lender fees.
Before credits & paid funds$162,740The complete starting cash picture.
Estimated remaining funds due at closing
$162,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,450.75
Your down payment$154,450.75
Closing costs + prepaids$8,289.57
Total buyer cash needed$162,740.32
Remaining funds due$162,740.32
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)$60.25
Prepaid interest, first (1 days)$4.32
Fees + prepaids$8,289.57
Your down payment is the seller’s equity. You take over the $45,549 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $162,740.32 is due at closing. Uses and sources reconcile at $208,289.57 each. Not a Closing Disclosure.