Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$115,947Cash toward the purchase price.
Closing costs + prepaids$9,284Not just lender fees.
Before credits & paid funds$125,230The complete starting cash picture.
Estimated remaining funds due at closing
$125,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,946.59
Your down payment$115,946.59
Closing costs + prepaids$9,283.86
Total buyer cash needed$125,230.45
Remaining funds due$125,230.45
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)$104.00
Initial HOA (3 months)$810.00
Prepaid interest, first (27 days)$244.86
Fees + prepaids$9,283.86
Your down payment is the seller’s equity. You take over the $74,053 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $125,230.45 is due at closing. Uses and sources reconcile at $199,283.86 each. Not a Closing Disclosure.