Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$938Cash toward the purchase price.
Closing costs + prepaids$10,161Not just lender fees.
Before credits & paid funds$11,099The complete starting cash picture.
Estimated remaining funds due at closing
$11,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$937.84
Your down payment$937.84
Closing costs + prepaids$10,161.40
Total buyer cash needed$11,099.23
Remaining funds due$11,099.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,945.00
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)$912.75
Prepaid interest, first (30 days)$1,078.65
Fees + prepaids$10,161.40
Your down payment is the seller’s equity. You take over the $193,562 balance, so the rest of the $194,500 price is paid at closing. A second mortgage can cover part of it. $11,099.23 is due at closing. Uses and sources reconcile at $204,661.40 each. Not a Closing Disclosure.