Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,503Cash toward the purchase price.
Closing costs + prepaids$9,221Not just lender fees.
Before credits & paid funds$64,724The complete starting cash picture.
Estimated remaining funds due at closing
$64,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,503.05
Your down payment$55,503.05
Closing costs + prepaids$9,220.73
Total buyer cash needed$64,723.77
Remaining funds due$64,723.77
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)$601.00
Prepaid interest, first (30 days)$504.73
Fees + prepaids$9,220.73
Your down payment is the seller’s equity. You take over the $133,497 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $64,723.77 is due at closing. Uses and sources reconcile at $198,220.73 each. Not a Closing Disclosure.