Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$165,102Cash toward the purchase price.
Closing costs + prepaids$8,717Not just lender fees.
Before credits & paid funds$173,818The complete starting cash picture.
Estimated remaining funds due at closing
$173,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,101.85
Your down payment$165,101.85
Closing costs + prepaids$8,716.58
Total buyer cash needed$173,818.43
Remaining funds due$173,818.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,899.00
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)$582.50
Prepaid interest, first (2 days)$10.08
Fees + prepaids$8,716.58
Your down payment is the seller’s equity. You take over the $24,798 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $173,818.43 is due at closing. Uses and sources reconcile at $198,616.58 each. Not a Closing Disclosure.