Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$144,336Cash toward the purchase price.
Closing costs + prepaids$8,466Not just lender fees.
Before credits & paid funds$152,801The complete starting cash picture.
Estimated remaining funds due at closing
$152,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,335.50
Your down payment$144,335.50
Closing costs + prepaids$8,465.74
Total buyer cash needed$152,801.24
Remaining funds due$152,801.24
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)$169.00
Prepaid interest, first (21 days)$71.74
Fees + prepaids$8,465.74
Your down payment is the seller’s equity. You take over the $55,664 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $152,801.24 is due at closing. Uses and sources reconcile at $208,465.74 each. Not a Closing Disclosure.