Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$180,588Cash toward the purchase price.
Closing costs + prepaids$9,641Not just lender fees.
Before credits & paid funds$190,229The complete starting cash picture.
Estimated remaining funds due at closing
$190,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,588.05
Your down payment$180,588.05
Closing costs + prepaids$9,641.39
Total buyer cash needed$190,229.44
Remaining funds due$190,229.44
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)$1,385.25
Prepaid interest, first (30 days)$81.14
Fees + prepaids$9,641.39
Your down payment is the seller’s equity. You take over the $14,412 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $190,229.44 is due at closing. Uses and sources reconcile at $204,641.39 each. Not a Closing Disclosure.