Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$138,119Cash toward the purchase price.
Closing costs + prepaids$8,633Not just lender fees.
Before credits & paid funds$146,751The complete starting cash picture.
Estimated remaining funds due at closing
$146,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,118.54
Your down payment$138,118.54
Closing costs + prepaids$8,632.84
Total buyer cash needed$146,751.39
Remaining funds due$146,751.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,950.00
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)$303.75
Prepaid interest, first (24 days)$154.09
Fees + prepaids$8,632.84
Your down payment is the seller’s equity. You take over the $56,881 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $146,751.39 is due at closing. Uses and sources reconcile at $203,632.84 each. Not a Closing Disclosure.