Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$122,200Cash toward the purchase price.
Closing costs + prepaids$8,469Not just lender fees.
Before credits & paid funds$130,668The complete starting cash picture.
Estimated remaining funds due at closing
$130,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,199.54
Your down payment$122,199.54
Closing costs + prepaids$8,468.68
Total buyer cash needed$130,668.22
Remaining funds due$130,668.22
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)$280.00
Prepaid interest, first (2 days)$13.68
Fees + prepaids$8,468.68
Your down payment is the seller’s equity. You take over the $72,800 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $130,668.22 is due at closing. Uses and sources reconcile at $203,468.68 each. Not a Closing Disclosure.