Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$56,930Cash toward the purchase price.
Closing costs + prepaids$8,854Not just lender fees.
Before credits & paid funds$65,784The complete starting cash picture.
Estimated remaining funds due at closing
$65,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,930.26
Your down payment$56,930.26
Closing costs + prepaids$8,854.20
Total buyer cash needed$65,784.46
Remaining funds due$65,784.46
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)$509.75
Prepaid interest, first (5 days)$120.45
Fees + prepaids$8,854.20
Your down payment is the seller’s equity. You take over the $142,970 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $65,784.46 is due at closing. Uses and sources reconcile at $208,754.20 each. Not a Closing Disclosure.