Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$67,334Cash toward the purchase price.
Closing costs + prepaids$9,118Not just lender fees.
Before credits & paid funds$76,452The complete starting cash picture.
Estimated remaining funds due at closing
$76,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,333.84
Your down payment$67,333.84
Closing costs + prepaids$9,118.34
Total buyer cash needed$76,452.19
Remaining funds due$76,452.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,950.00
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)$673.25
Prepaid interest, first (26 days)$270.09
Fees + prepaids$9,118.34
Your down payment is the seller’s equity. You take over the $127,666 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $76,452.19 is due at closing. Uses and sources reconcile at $204,118.34 each. Not a Closing Disclosure.