Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$58,533Cash toward the purchase price.
Closing costs + prepaids$9,280Not just lender fees.
Before credits & paid funds$67,813The complete starting cash picture.
Estimated remaining funds due at closing
$67,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,533.15
Your down payment$58,533.15
Closing costs + prepaids$9,279.70
Total buyer cash needed$67,812.84
Remaining funds due$67,812.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,890.00
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)$91.75
Initial HOA (3 months)$837.00
Prepaid interest, first (23 days)$235.95
Fees + prepaids$9,279.70
Your down payment is the seller’s equity. You take over the $130,467 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $67,812.84 is due at closing. Uses and sources reconcile at $198,279.70 each. Not a Closing Disclosure.