Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,987Cash toward the purchase price.
Closing costs + prepaids$8,904Not just lender fees.
Before credits & paid funds$42,891The complete starting cash picture.
Estimated remaining funds due at closing
$42,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,987.45
Your down payment$33,987.45
Closing costs + prepaids$8,903.78
Total buyer cash needed$42,891.23
Remaining funds due$42,891.23
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)$715.50
Prepaid interest, first (1 days)$13.28
Fees + prepaids$8,903.78
Your down payment is the seller’s equity. You take over the $161,013 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $42,891.23 is due at closing. Uses and sources reconcile at $203,903.78 each. Not a Closing Disclosure.