Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$181,878Cash toward the purchase price.
Closing costs + prepaids$8,941Not just lender fees.
Before credits & paid funds$190,819The complete starting cash picture.
Estimated remaining funds due at closing
$190,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,877.57
Your down payment$181,877.57
Closing costs + prepaids$8,941.22
Total buyer cash needed$190,818.79
Remaining funds due$190,818.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,890.00
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)$794.00
Prepaid interest, first (24 days)$32.22
Fees + prepaids$8,941.22
Your down payment is the seller’s equity. You take over the $7,122 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $190,818.79 is due at closing. Uses and sources reconcile at $197,941.22 each. Not a Closing Disclosure.