Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$93,584Cash toward the purchase price.
Closing costs + prepaids$9,153Not just lender fees.
Before credits & paid funds$102,736The complete starting cash picture.
Estimated remaining funds due at closing
$102,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,583.85
Your down payment$93,583.85
Closing costs + prepaids$9,152.55
Total buyer cash needed$102,736.39
Remaining funds due$102,736.39
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)$127.25
Initial HOA (3 months)$735.00
Prepaid interest, first (23 days)$166.30
Fees + prepaids$9,152.55
Your down payment is the seller’s equity. You take over the $96,316 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $102,736.39 is due at closing. Uses and sources reconcile at $199,052.55 each. Not a Closing Disclosure.