Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$91,550Cash toward the purchase price.
Closing costs + prepaids$8,584Not just lender fees.
Before credits & paid funds$100,134The complete starting cash picture.
Estimated remaining funds due at closing
$100,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,549.52
Your down payment$91,549.52
Closing costs + prepaids$8,584.15
Total buyer cash needed$100,133.66
Remaining funds due$100,133.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,895.00
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)$89.25
Prepaid interest, first (22 days)$374.90
Fees + prepaids$8,584.15
Your down payment is the seller’s equity. You take over the $97,950 balance, so the rest of the $189,500 price is paid at closing. A second mortgage can cover part of it. $100,133.66 is due at closing. Uses and sources reconcile at $198,084.15 each. Not a Closing Disclosure.