Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$87,432Cash toward the purchase price.
Closing costs + prepaids$8,765Not just lender fees.
Before credits & paid funds$96,197The complete starting cash picture.
Estimated remaining funds due at closing
$96,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,431.86
Your down payment$87,431.86
Closing costs + prepaids$8,765.36
Total buyer cash needed$96,197.22
Remaining funds due$96,197.22
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)$352.75
Prepaid interest, first (31 days)$297.61
Fees + prepaids$8,765.36
Your down payment is the seller’s equity. You take over the $101,568 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $96,197.22 is due at closing. Uses and sources reconcile at $197,765.36 each. Not a Closing Disclosure.