Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$194,988Cash toward the purchase price.
Closing costs + prepaids$7,918Not just lender fees.
Before credits & paid funds$202,906The complete starting cash picture.
Estimated remaining funds due at closing
$202,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,988.00
Your down payment$194,988.00
Closing costs + prepaids$7,918.38
Total buyer cash needed$202,906.38
Remaining funds due$202,906.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$1,949.88
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)$750.50
Fees + prepaids$7,918.38
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $194,988 price is paid at closing. A second mortgage can cover part of it. $202,906.38 is due at closing. Uses and sources reconcile at $202,906.38 each. Not a Closing Disclosure.