Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$166,187Cash toward the purchase price.
Closing costs + prepaids$8,727Not just lender fees.
Before credits & paid funds$174,914The complete starting cash picture.
Estimated remaining funds due at closing
$174,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,186.84
Your down payment$166,186.84
Closing costs + prepaids$8,726.66
Total buyer cash needed$174,913.50
Remaining funds due$174,913.50
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)$498.50
Prepaid interest, first (1 days)$4.16
Fees + prepaids$8,726.66
Your down payment is the seller’s equity. You take over the $33,713 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $174,913.50 is due at closing. Uses and sources reconcile at $208,626.66 each. Not a Closing Disclosure.