Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$147,543Cash toward the purchase price.
Closing costs + prepaids$8,907Not just lender fees.
Before credits & paid funds$156,449The complete starting cash picture.
Estimated remaining funds due at closing
$156,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,542.66
Your down payment$147,542.66
Closing costs + prepaids$8,906.65
Total buyer cash needed$156,449.30
Remaining funds due$156,449.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,890.00
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)$627.75
Prepaid interest, first (26 days)$163.90
Fees + prepaids$8,906.65
Your down payment is the seller’s equity. You take over the $41,457 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $156,449.30 is due at closing. Uses and sources reconcile at $197,906.65 each. Not a Closing Disclosure.