Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$73,419Cash toward the purchase price.
Closing costs + prepaids$8,458Not just lender fees.
Before credits & paid funds$81,877The complete starting cash picture.
Estimated remaining funds due at closing
$81,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,418.81
Your down payment$73,418.81
Closing costs + prepaids$8,458.43
Total buyer cash needed$81,877.24
Remaining funds due$81,877.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,880.00
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)$120.50
Prepaid interest, first (28 days)$232.93
Fees + prepaids$8,458.43
Your down payment is the seller’s equity. You take over the $114,581 balance, so the rest of the $188,000 price is paid at closing. A second mortgage can cover part of it. $81,877.24 is due at closing. Uses and sources reconcile at $196,458.43 each. Not a Closing Disclosure.