Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$123,945Cash toward the purchase price.
Closing costs + prepaids$9,512Not just lender fees.
Before credits & paid funds$133,457The complete starting cash picture.
Estimated remaining funds due at closing
$133,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,945.16
Your down payment$123,945.16
Closing costs + prepaids$9,511.87
Total buyer cash needed$133,457.03
Remaining funds due$133,457.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,900.00
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)$1,262.00
Prepaid interest, first (23 days)$124.87
Fees + prepaids$9,511.87
Your down payment is the seller’s equity. You take over the $66,055 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $133,457.03 is due at closing. Uses and sources reconcile at $199,511.87 each. Not a Closing Disclosure.