Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$194,949Cash toward the purchase price.
Closing costs + prepaids$8,944Not just lender fees.
Before credits & paid funds$203,893The complete starting cash picture.
Estimated remaining funds due at closing
$203,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,949.40
Your down payment$194,949.40
Closing costs + prepaids$8,944.00
Total buyer cash needed$203,893.40
Remaining funds due$203,893.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,949.50
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)$769.50
Prepaid interest, first (27 days)$0.00
Fees + prepaids$8,944.00
Your down payment is the seller’s equity. You take over the $1 balance, so the rest of the $194,950 price is paid at closing. A second mortgage can cover part of it. $203,893.40 is due at closing. Uses and sources reconcile at $203,894.00 each. Not a Closing Disclosure.