Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$107,222Cash toward the purchase price.
Closing costs + prepaids$8,621Not just lender fees.
Before credits & paid funds$115,843The complete starting cash picture.
Estimated remaining funds due at closing
$115,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,222.44
Your down payment$107,222.44
Closing costs + prepaids$8,620.95
Total buyer cash needed$115,843.39
Remaining funds due$115,843.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,899.00
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)$474.75
Prepaid interest, first (2 days)$22.20
Fees + prepaids$8,620.95
Your down payment is the seller’s equity. You take over the $82,678 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $115,843.39 is due at closing. Uses and sources reconcile at $198,520.95 each. Not a Closing Disclosure.