Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$119,889Cash toward the purchase price.
Closing costs + prepaids$8,516Not just lender fees.
Before credits & paid funds$128,406The complete starting cash picture.
Estimated remaining funds due at closing
$128,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,889.39
Your down payment$119,889.39
Closing costs + prepaids$8,516.25
Total buyer cash needed$128,405.64
Remaining funds due$128,405.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,940.00
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)$150.75
Prepaid interest, first (25 days)$200.50
Fees + prepaids$8,516.25
Your down payment is the seller’s equity. You take over the $74,111 balance, so the rest of the $194,000 price is paid at closing. A second mortgage can cover part of it. $128,405.64 is due at closing. Uses and sources reconcile at $202,516.25 each. Not a Closing Disclosure.