Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,752Cash toward the purchase price.
Closing costs + prepaids$8,628Not just lender fees.
Before credits & paid funds$76,380The complete starting cash picture.
Estimated remaining funds due at closing
$76,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,751.51
Your down payment$67,751.51
Closing costs + prepaids$8,628.22
Total buyer cash needed$76,379.73
Remaining funds due$76,379.73
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)$232.25
Prepaid interest, first (27 days)$271.97
Fees + prepaids$8,628.22
Your down payment is the seller’s equity. You take over the $122,148 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $76,379.73 is due at closing. Uses and sources reconcile at $198,528.22 each. Not a Closing Disclosure.