Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$62,194Cash toward the purchase price.
Closing costs + prepaids$8,411Not just lender fees.
Before credits & paid funds$70,605The complete starting cash picture.
Estimated remaining funds due at closing
$70,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,193.70
Your down payment$62,193.70
Closing costs + prepaids$8,411.02
Total buyer cash needed$70,604.72
Remaining funds due$70,604.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$301.50
Prepaid interest, first (2 days)$34.52
Fees + prepaids$8,411.02
Your down payment is the seller’s equity. You take over the $122,806 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $70,604.72 is due at closing. Uses and sources reconcile at $193,411.02 each. Not a Closing Disclosure.