Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$190,000Cash toward the purchase price.
Closing costs + prepaids$7,689Not just lender fees.
Before credits & paid funds$197,689The complete starting cash picture.
Estimated remaining funds due at closing
$197,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,000.00
Your down payment$190,000.00
Closing costs + prepaids$7,688.75
Total buyer cash needed$197,688.75
Remaining funds due$197,688.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
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)$570.75
Fees + prepaids$7,688.75
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $197,688.75 is due at closing. Uses and sources reconcile at $197,688.75 each. Not a Closing Disclosure.