Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$107,191Cash toward the purchase price.
Closing costs + prepaids$9,763Not just lender fees.
Before credits & paid funds$116,954The complete starting cash picture.
Estimated remaining funds due at closing
$116,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,190.51
Your down payment$107,190.51
Closing costs + prepaids$9,763.35
Total buyer cash needed$116,953.85
Remaining funds due$116,953.85
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)$240.00
Initial HOA (3 months)$1,239.00
Prepaid interest, first (6 days)$59.35
Fees + prepaids$9,763.35
Your down payment is the seller’s equity. You take over the $92,809 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $116,953.85 is due at closing. Uses and sources reconcile at $209,763.35 each. Not a Closing Disclosure.