Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$68,425Cash toward the purchase price.
Closing costs + prepaids$8,789Not just lender fees.
Before credits & paid funds$77,214The complete starting cash picture.
Estimated remaining funds due at closing
$77,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,424.65
Your down payment$68,424.65
Closing costs + prepaids$8,789.37
Total buyer cash needed$77,214.02
Remaining funds due$77,214.02
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)$399.50
Prepaid interest, first (28 days)$264.87
Fees + prepaids$8,789.37
Your down payment is the seller’s equity. You take over the $121,575 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $77,214.02 is due at closing. Uses and sources reconcile at $198,789.37 each. Not a Closing Disclosure.