Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$14,515Cash toward the purchase price.
Closing costs + prepaids$9,116Not just lender fees.
Before credits & paid funds$23,631The complete starting cash picture.
Estimated remaining funds due at closing
$23,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,515.33
Your down payment$14,515.33
Closing costs + prepaids$9,115.76
Total buyer cash needed$23,631.09
Remaining funds due$23,631.09
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)$970.50
Prepaid interest, first (1 days)$30.26
Fees + prepaids$9,115.76
Your down payment is the seller’s equity. You take over the $174,485 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $23,631.09 is due at closing. Uses and sources reconcile at $198,115.76 each. Not a Closing Disclosure.