Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$25,289Cash toward the purchase price.
Closing costs + prepaids$9,185Not just lender fees.
Before credits & paid funds$34,474The complete starting cash picture.
Estimated remaining funds due at closing
$34,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,289.37
Your down payment$25,289.37
Closing costs + prepaids$9,184.77
Total buyer cash needed$34,474.14
Remaining funds due$34,474.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,899.99
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)$736.00
Prepaid interest, first (25 days)$323.78
Fees + prepaids$9,184.77
Your down payment is the seller’s equity. You take over the $164,710 balance, so the rest of the $189,999 price is paid at closing. A second mortgage can cover part of it. $34,474.14 is due at closing. Uses and sources reconcile at $199,183.77 each. Not a Closing Disclosure.