Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$69,823Cash toward the purchase price.
Closing costs + prepaids$9,249Not just lender fees.
Before credits & paid funds$79,072The complete starting cash picture.
Estimated remaining funds due at closing
$79,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,823.47
Your down payment$69,823.47
Closing costs + prepaids$9,248.86
Total buyer cash needed$79,072.33
Remaining funds due$79,072.33
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)$677.75
Prepaid interest, first (30 days)$396.11
Fees + prepaids$9,248.86
Your down payment is the seller’s equity. You take over the $125,177 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $79,072.33 is due at closing. Uses and sources reconcile at $204,248.86 each. Not a Closing Disclosure.