Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$86,615Cash toward the purchase price.
Closing costs + prepaids$8,951Not just lender fees.
Before credits & paid funds$95,566The complete starting cash picture.
Estimated remaining funds due at closing
$95,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,615.08
Your down payment$86,615.08
Closing costs + prepaids$8,950.74
Total buyer cash needed$95,565.82
Remaining funds due$95,565.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,880.00
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)$570.75
Prepaid interest, first (30 days)$274.99
Fees + prepaids$8,950.74
Your down payment is the seller’s equity. You take over the $101,385 balance, so the rest of the $188,000 price is paid at closing. A second mortgage can cover part of it. $95,565.82 is due at closing. Uses and sources reconcile at $196,950.74 each. Not a Closing Disclosure.