Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$91,817Cash toward the purchase price.
Closing costs + prepaids$8,934Not just lender fees.
Before credits & paid funds$100,751The complete starting cash picture.
Estimated remaining funds due at closing
$100,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,816.66
Your down payment$91,816.66
Closing costs + prepaids$8,933.99
Total buyer cash needed$100,750.65
Remaining funds due$100,750.65
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)$467.25
Prepaid interest, first (30 days)$291.74
Fees + prepaids$8,933.99
Your down payment is the seller’s equity. You take over the $103,183 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $100,750.65 is due at closing. Uses and sources reconcile at $203,933.99 each. Not a Closing Disclosure.