Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,061Cash toward the purchase price.
Closing costs + prepaids$9,247Not just lender fees.
Before credits & paid funds$45,308The complete starting cash picture.
Estimated remaining funds due at closing
$45,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,060.55
Your down payment$36,060.55
Closing costs + prepaids$9,247.25
Total buyer cash needed$45,307.81
Remaining funds due$45,307.81
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)$312.50
Prepaid interest, first (28 days)$810.75
Fees + prepaids$9,247.25
Your down payment is the seller’s equity. You take over the $153,839 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $45,307.81 is due at closing. Uses and sources reconcile at $199,147.25 each. Not a Closing Disclosure.