Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$54,002Cash toward the purchase price.
Closing costs + prepaids$9,722Not just lender fees.
Before credits & paid funds$63,724The complete starting cash picture.
Estimated remaining funds due at closing
$63,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,002.22
Your down payment$54,002.22
Closing costs + prepaids$9,721.55
Total buyer cash needed$63,723.77
Remaining funds due$63,723.77
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)$574.00
Initial HOA (3 months)$720.00
Prepaid interest, first (28 days)$302.55
Fees + prepaids$9,721.55
Your down payment is the seller’s equity. You take over the $135,998 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $63,723.77 is due at closing. Uses and sources reconcile at $199,721.55 each. Not a Closing Disclosure.