Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$12,456Cash toward the purchase price.
Closing costs + prepaids$9,572Not just lender fees.
Before credits & paid funds$22,028The complete starting cash picture.
Estimated remaining funds due at closing
$22,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,455.55
Your down payment$12,455.55
Closing costs + prepaids$9,572.46
Total buyer cash needed$22,028.01
Remaining funds due$22,028.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,900.00
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)$502.00
Prepaid interest, first (31 days)$945.46
Fees + prepaids$9,572.46
Your down payment is the seller’s equity. You take over the $177,544 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $22,028.01 is due at closing. Uses and sources reconcile at $199,572.46 each. Not a Closing Disclosure.