Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$68,075Cash toward the purchase price.
Closing costs + prepaids$9,088Not just lender fees.
Before credits & paid funds$77,163The complete starting cash picture.
Estimated remaining funds due at closing
$77,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,074.72
Your down payment$68,074.72
Closing costs + prepaids$9,088.50
Total buyer cash needed$77,163.22
Remaining funds due$77,163.22
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)$485.00
Prepaid interest, first (31 days)$438.50
Fees + prepaids$9,088.50
Your down payment is the seller’s equity. You take over the $125,925 balance, so the rest of the $194,000 price is paid at closing. A second mortgage can cover part of it. $77,163.22 is due at closing. Uses and sources reconcile at $203,088.50 each. Not a Closing Disclosure.