Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$72,055Cash toward the purchase price.
Closing costs + prepaids$9,180Not just lender fees.
Before credits & paid funds$81,235The complete starting cash picture.
Estimated remaining funds due at closing
$81,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,054.80
Your down payment$72,054.80
Closing costs + prepaids$9,179.74
Total buyer cash needed$81,234.55
Remaining funds due$81,234.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,890.00
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)$622.00
Initial HOA (3 months)$77.49
Prepaid interest, first (30 days)$365.25
Fees + prepaids$9,179.74
Your down payment is the seller’s equity. You take over the $116,945 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $81,234.55 is due at closing. Uses and sources reconcile at $198,179.74 each. Not a Closing Disclosure.