Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$149,083Cash toward the purchase price.
Closing costs + prepaids$8,948Not just lender fees.
Before credits & paid funds$158,031The complete starting cash picture.
Estimated remaining funds due at closing
$158,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,082.83
Your down payment$149,082.83
Closing costs + prepaids$8,948.00
Total buyer cash needed$158,030.83
Remaining funds due$158,030.83
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)$648.00
Prepaid interest, first (27 days)$125.00
Fees + prepaids$8,948.00
Your down payment is the seller’s equity. You take over the $45,917 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $158,030.83 is due at closing. Uses and sources reconcile at $203,948.00 each. Not a Closing Disclosure.