Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$75,514Cash toward the purchase price.
Closing costs + prepaids$8,972Not just lender fees.
Before credits & paid funds$84,486The complete starting cash picture.
Estimated remaining funds due at closing
$84,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,513.54
Your down payment$75,513.54
Closing costs + prepaids$8,972.28
Total buyer cash needed$84,485.82
Remaining funds due$84,485.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,860.00
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)$652.50
Prepaid interest, first (28 days)$234.78
Fees + prepaids$8,972.28
Your down payment is the seller’s equity. You take over the $110,486 balance, so the rest of the $186,000 price is paid at closing. A second mortgage can cover part of it. $84,485.82 is due at closing. Uses and sources reconcile at $194,972.28 each. Not a Closing Disclosure.