Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$113,958Cash toward the purchase price.
Closing costs + prepaids$9,205Not just lender fees.
Before credits & paid funds$123,162The complete starting cash picture.
Estimated remaining funds due at closing
$123,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,957.67
Your down payment$113,957.67
Closing costs + prepaids$9,204.71
Total buyer cash needed$123,162.38
Remaining funds due$123,162.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,854.00
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)$967.25
Prepaid interest, first (22 days)$158.46
Fees + prepaids$9,204.71
Your down payment is the seller’s equity. You take over the $71,442 balance, so the rest of the $185,400 price is paid at closing. A second mortgage can cover part of it. $123,162.38 is due at closing. Uses and sources reconcile at $194,604.71 each. Not a Closing Disclosure.