Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$101,457Cash toward the purchase price.
Closing costs + prepaids$8,635Not just lender fees.
Before credits & paid funds$110,093The complete starting cash picture.
Estimated remaining funds due at closing
$110,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,457.42
Your down payment$101,457.42
Closing costs + prepaids$8,635.12
Total buyer cash needed$110,092.54
Remaining funds due$110,092.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,959.00
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)$227.25
Prepaid interest, first (28 days)$223.87
Fees + prepaids$8,635.12
Your down payment is the seller’s equity. You take over the $94,443 balance, so the rest of the $195,900 price is paid at closing. A second mortgage can cover part of it. $110,092.54 is due at closing. Uses and sources reconcile at $204,535.12 each. Not a Closing Disclosure.