Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$51,652Cash toward the purchase price.
Closing costs + prepaids$8,894Not just lender fees.
Before credits & paid funds$60,546The complete starting cash picture.
Estimated remaining funds due at closing
$60,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,652.14
Your down payment$51,652.14
Closing costs + prepaids$8,893.96
Total buyer cash needed$60,546.10
Remaining funds due$60,546.10
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)$534.75
Prepaid interest, first (23 days)$235.21
Fees + prepaids$8,893.96
Your down payment is the seller’s equity. You take over the $138,248 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $60,546.10 is due at closing. Uses and sources reconcile at $198,793.96 each. Not a Closing Disclosure.