Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$122,411Cash toward the purchase price.
Closing costs + prepaids$8,612Not just lender fees.
Before credits & paid funds$131,023The complete starting cash picture.
Estimated remaining funds due at closing
$131,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,411.05
Your down payment$122,411.05
Closing costs + prepaids$8,611.89
Total buyer cash needed$131,022.94
Remaining funds due$131,022.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,950.00
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)$280.00
Prepaid interest, first (23 days)$156.89
Fees + prepaids$8,611.89
Your down payment is the seller’s equity. You take over the $72,589 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $131,022.94 is due at closing. Uses and sources reconcile at $203,611.89 each. Not a Closing Disclosure.