Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$69,855Cash toward the purchase price.
Closing costs + prepaids$9,472Not just lender fees.
Before credits & paid funds$79,326The complete starting cash picture.
Estimated remaining funds due at closing
$79,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,854.80
Your down payment$69,854.80
Closing costs + prepaids$9,471.69
Total buyer cash needed$79,326.49
Remaining funds due$79,326.49
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)$238.75
Initial HOA (3 months)$765.00
Prepaid interest, first (24 days)$292.94
Fees + prepaids$9,471.69
Your down payment is the seller’s equity. You take over the $125,145 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $79,326.49 is due at closing. Uses and sources reconcile at $204,471.69 each. Not a Closing Disclosure.