Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$86,674Cash toward the purchase price.
Closing costs + prepaids$10,364Not just lender fees.
Before credits & paid funds$97,038The complete starting cash picture.
Estimated remaining funds due at closing
$97,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,673.76
Your down payment$86,673.76
Closing costs + prepaids$10,364.11
Total buyer cash needed$97,037.87
Remaining funds due$97,037.87
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)$700.50
Initial HOA (3 months)$1,275.00
Prepaid interest, first (24 days)$263.61
Fees + prepaids$10,364.11
Your down payment is the seller’s equity. You take over the $103,326 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $97,037.87 is due at closing. Uses and sources reconcile at $200,364.11 each. Not a Closing Disclosure.