Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$96,292Cash toward the purchase price.
Closing costs + prepaids$8,545Not just lender fees.
Before credits & paid funds$104,837The complete starting cash picture.
Estimated remaining funds due at closing
$104,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,292.04
Your down payment$96,292.04
Closing costs + prepaids$8,545.10
Total buyer cash needed$104,837.14
Remaining funds due$104,837.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$157.75
Prepaid interest, first (28 days)$312.35
Fees + prepaids$8,545.10
Your down payment is the seller’s equity. You take over the $88,708 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $104,837.14 is due at closing. Uses and sources reconcile at $193,545.10 each. Not a Closing Disclosure.