Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,218Cash toward the purchase price.
Closing costs + prepaids$9,056Not just lender fees.
Before credits & paid funds$32,274The complete starting cash picture.
Estimated remaining funds due at closing
$32,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,217.80
Your down payment$23,217.80
Closing costs + prepaids$9,056.13
Total buyer cash needed$32,273.93
Remaining funds due$32,273.93
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)$90.00
Prepaid interest, first (26 days)$841.13
Fees + prepaids$9,056.13
Your down payment is the seller’s equity. You take over the $166,782 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $32,273.93 is due at closing. Uses and sources reconcile at $199,056.13 each. Not a Closing Disclosure.