Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,655Cash toward the purchase price.
Closing costs + prepaids$9,015Not just lender fees.
Before credits & paid funds$77,670The complete starting cash picture.
Estimated remaining funds due at closing
$77,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,655.14
Your down payment$68,655.14
Closing costs + prepaids$9,014.69
Total buyer cash needed$77,669.84
Remaining funds due$77,669.84
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)$779.75
Initial HOA (3 months)$50.01
Prepaid interest, first (1 days)$9.93
Fees + prepaids$9,014.69
Your down payment is the seller’s equity. You take over the $126,345 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $77,669.84 is due at closing. Uses and sources reconcile at $204,014.69 each. Not a Closing Disclosure.