Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$93,352Cash toward the purchase price.
Closing costs + prepaids$8,993Not just lender fees.
Before credits & paid funds$102,345The complete starting cash picture.
Estimated remaining funds due at closing
$102,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,351.99
Your down payment$93,351.99
Closing costs + prepaids$8,993.50
Total buyer cash needed$102,345.49
Remaining funds due$102,345.49
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)$127.25
Initial HOA (3 months)$735.00
Prepaid interest, first (1 days)$7.25
Fees + prepaids$8,993.50
Your down payment is the seller’s equity. You take over the $96,548 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $102,345.49 is due at closing. Uses and sources reconcile at $198,893.50 each. Not a Closing Disclosure.