Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$75,967Cash toward the purchase price.
Closing costs + prepaids$9,508Not just lender fees.
Before credits & paid funds$85,476The complete starting cash picture.
Estimated remaining funds due at closing
$85,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,967.43
Your down payment$75,967.43
Closing costs + prepaids$9,508.42
Total buyer cash needed$85,475.85
Remaining funds due$85,475.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,890.00
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)$482.00
Initial HOA (3 months)$858.00
Prepaid interest, first (5 days)$53.42
Fees + prepaids$9,508.42
Your down payment is the seller’s equity. You take over the $113,033 balance, so the rest of the $189,000 price is paid at closing. A second mortgage can cover part of it. $85,475.85 is due at closing. Uses and sources reconcile at $198,508.42 each. Not a Closing Disclosure.