Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$69,823Cash toward the purchase price.
Closing costs + prepaids$9,143Not just lender fees.
Before credits & paid funds$78,967The complete starting cash picture.
Estimated remaining funds due at closing
$78,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,823.47
Your down payment$69,823.47
Closing costs + prepaids$9,143.23
Total buyer cash needed$78,966.70
Remaining funds due$78,966.70
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)$677.75
Prepaid interest, first (22 days)$290.48
Fees + prepaids$9,143.23
Your down payment is the seller’s equity. You take over the $125,177 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $78,966.70 is due at closing. Uses and sources reconcile at $204,143.23 each. Not a Closing Disclosure.