Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$68,944Cash toward the purchase price.
Closing costs + prepaids$9,233Not just lender fees.
Before credits & paid funds$78,176The complete starting cash picture.
Estimated remaining funds due at closing
$78,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,943.60
Your down payment$68,943.60
Closing costs + prepaids$9,232.73
Total buyer cash needed$78,176.34
Remaining funds due$78,176.34
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)$779.75
Initial HOA (3 months)$50.01
Prepaid interest, first (23 days)$227.97
Fees + prepaids$9,232.73
Your down payment is the seller’s equity. You take over the $126,056 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $78,176.34 is due at closing. Uses and sources reconcile at $204,232.73 each. Not a Closing Disclosure.