Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,405Cash toward the purchase price.
Closing costs + prepaids$9,161Not just lender fees.
Before credits & paid funds$44,566The complete starting cash picture.
Estimated remaining funds due at closing
$44,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,405.10
Your down payment$35,405.10
Closing costs + prepaids$9,160.66
Total buyer cash needed$44,565.76
Remaining funds due$44,565.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,899.00
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)$132.75
Initial HOA (3 months)$429.00
Prepaid interest, first (22 days)$474.91
Fees + prepaids$9,160.66
Your down payment is the seller’s equity. You take over the $154,495 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $44,565.76 is due at closing. Uses and sources reconcile at $199,060.66 each. Not a Closing Disclosure.