Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$144,048Cash toward the purchase price.
Closing costs + prepaids$8,705Not just lender fees.
Before credits & paid funds$152,753The complete starting cash picture.
Estimated remaining funds due at closing
$152,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,048.34
Your down payment$144,048.34
Closing costs + prepaids$8,705.07
Total buyer cash needed$152,753.41
Remaining funds due$152,753.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,900.00
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)$456.00
Prepaid interest, first (27 days)$124.07
Fees + prepaids$8,705.07
Your down payment is the seller’s equity. You take over the $45,952 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $152,753.41 is due at closing. Uses and sources reconcile at $198,705.07 each. Not a Closing Disclosure.