Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$73,844Cash toward the purchase price.
Closing costs + prepaids$8,786Not just lender fees.
Before credits & paid funds$82,630The complete starting cash picture.
Estimated remaining funds due at closing
$82,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,843.88
Your down payment$73,843.88
Closing costs + prepaids$8,786.16
Total buyer cash needed$82,630.04
Remaining funds due$82,630.04
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)$283.00
Initial HOA (3 months)$87.51
Prepaid interest, first (25 days)$240.65
Fees + prepaids$8,786.16
Your down payment is the seller’s equity. You take over the $121,156 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $82,630.04 is due at closing. Uses and sources reconcile at $203,786.16 each. Not a Closing Disclosure.