Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$133,827Cash toward the purchase price.
Closing costs + prepaids$8,368Not just lender fees.
Before credits & paid funds$142,195The complete starting cash picture.
Estimated remaining funds due at closing
$142,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,826.98
Your down payment$133,826.98
Closing costs + prepaids$8,367.72
Total buyer cash needed$142,194.70
Remaining funds due$142,194.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,899.00
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)$59.00
Prepaid interest, first (24 days)$184.72
Fees + prepaids$8,367.72
Your down payment is the seller’s equity. You take over the $56,073 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $142,194.70 is due at closing. Uses and sources reconcile at $198,267.72 each. Not a Closing Disclosure.