Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$138,451Cash toward the purchase price.
Closing costs + prepaids$8,728Not just lender fees.
Before credits & paid funds$147,179The complete starting cash picture.
Estimated remaining funds due at closing
$147,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,450.51
Your down payment$138,450.51
Closing costs + prepaids$8,728.17
Total buyer cash needed$147,178.67
Remaining funds due$147,178.67
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)$475.00
Prepaid interest, first (25 days)$128.17
Fees + prepaids$8,728.17
Your down payment is the seller’s equity. You take over the $51,549 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $147,178.67 is due at closing. Uses and sources reconcile at $198,728.17 each. Not a Closing Disclosure.