Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$101,208Cash toward the purchase price.
Closing costs + prepaids$8,621Not just lender fees.
Before credits & paid funds$109,829The complete starting cash picture.
Estimated remaining funds due at closing
$109,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,208.07
Your down payment$101,208.07
Closing costs + prepaids$8,621.11
Total buyer cash needed$109,829.18
Remaining funds due$109,829.18
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)$211.50
Initial HOA (3 months)$90.00
Prepaid interest, first (25 days)$194.61
Fees + prepaids$8,621.11
Your down payment is the seller’s equity. You take over the $88,792 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $109,829.18 is due at closing. Uses and sources reconcile at $198,621.11 each. Not a Closing Disclosure.