Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$19,737Cash toward the purchase price.
Closing costs + prepaids$8,833Not just lender fees.
Before credits & paid funds$28,570The complete starting cash picture.
Estimated remaining funds due at closing
$28,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,736.99
Your down payment$19,736.99
Closing costs + prepaids$8,832.87
Total buyer cash needed$28,569.86
Remaining funds due$28,569.86
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)$497.25
Prepaid interest, first (5 days)$160.62
Fees + prepaids$8,832.87
Your down payment is the seller’s equity. You take over the $175,263 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $28,569.86 is due at closing. Uses and sources reconcile at $203,832.87 each. Not a Closing Disclosure.