Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$58,233Cash toward the purchase price.
Closing costs + prepaids$9,064Not just lender fees.
Before credits & paid funds$67,298The complete starting cash picture.
Estimated remaining funds due at closing
$67,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,233.19
Your down payment$58,233.19
Closing costs + prepaids$9,064.31
Total buyer cash needed$67,297.51
Remaining funds due$67,297.51
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)$91.75
Initial HOA (3 months)$837.00
Prepaid interest, first (2 days)$20.56
Fees + prepaids$9,064.31
Your down payment is the seller’s equity. You take over the $130,767 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $67,297.51 is due at closing. Uses and sources reconcile at $198,064.31 each. Not a Closing Disclosure.