Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$101,008Cash toward the purchase price.
Closing costs + prepaids$10,115Not just lender fees.
Before credits & paid funds$111,123The complete starting cash picture.
Estimated remaining funds due at closing
$111,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,007.68
Your down payment$101,007.68
Closing costs + prepaids$10,115.50
Total buyer cash needed$111,123.18
Remaining funds due$111,123.18
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)$462.50
Initial HOA (3 months)$1,227.00
Prepaid interest, first (27 days)$251.00
Fees + prepaids$10,115.50
Your down payment is the seller’s equity. You take over the $93,992 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $111,123.18 is due at closing. Uses and sources reconcile at $205,115.50 each. Not a Closing Disclosure.