Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$92,656Cash toward the purchase price.
Closing costs + prepaids$8,827Not just lender fees.
Before credits & paid funds$101,484The complete starting cash picture.
Estimated remaining funds due at closing
$101,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,656.27
Your down payment$92,656.27
Closing costs + prepaids$8,827.44
Total buyer cash needed$101,483.71
Remaining funds due$101,483.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,900.00
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)$475.00
Prepaid interest, first (26 days)$227.44
Fees + prepaids$8,827.44
Your down payment is the seller’s equity. You take over the $97,344 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $101,483.71 is due at closing. Uses and sources reconcile at $198,827.44 each. Not a Closing Disclosure.