Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$114,040Cash toward the purchase price.
Closing costs + prepaids$8,407Not just lender fees.
Before credits & paid funds$122,447The complete starting cash picture.
Estimated remaining funds due at closing
$122,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,040.46
Your down payment$114,040.46
Closing costs + prepaids$8,406.91
Total buyer cash needed$122,447.37
Remaining funds due$122,447.37
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)$49.25
Prepaid interest, first (27 days)$182.66
Fees + prepaids$8,406.91
Your down payment is the seller’s equity. You take over the $80,960 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $122,447.37 is due at closing. Uses and sources reconcile at $203,406.91 each. Not a Closing Disclosure.