Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$77,951Cash toward the purchase price.
Closing costs + prepaids$8,458Not just lender fees.
Before credits & paid funds$86,409The complete starting cash picture.
Estimated remaining funds due at closing
$86,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,950.52
Your down payment$77,950.52
Closing costs + prepaids$8,458.32
Total buyer cash needed$86,408.85
Remaining funds due$86,408.85
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)$300.00
Prepaid interest, first (2 days)$43.32
Fees + prepaids$8,458.32
Your down payment is the seller’s equity. You take over the $111,049 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $86,408.85 is due at closing. Uses and sources reconcile at $197,458.32 each. Not a Closing Disclosure.