Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$91,550Cash toward the purchase price.
Closing costs + prepaids$8,703Not just lender fees.
Before credits & paid funds$100,253The complete starting cash picture.
Estimated remaining funds due at closing
$100,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,549.52
Your down payment$91,549.52
Closing costs + prepaids$8,703.43
Total buyer cash needed$100,252.95
Remaining funds due$100,252.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,895.00
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)$89.25
Prepaid interest, first (29 days)$494.18
Fees + prepaids$8,703.43
Your down payment is the seller’s equity. You take over the $97,950 balance, so the rest of the $189,500 price is paid at closing. A second mortgage can cover part of it. $100,252.95 is due at closing. Uses and sources reconcile at $198,203.43 each. Not a Closing Disclosure.