Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$113,426Cash toward the purchase price.
Closing costs + prepaids$9,370Not just lender fees.
Before credits & paid funds$122,796The complete starting cash picture.
Estimated remaining funds due at closing
$122,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,426.24
Your down payment$113,426.24
Closing costs + prepaids$9,369.73
Total buyer cash needed$122,795.97
Remaining funds due$122,795.97
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)$108.00
Initial HOA (3 months)$714.00
Prepaid interest, first (31 days)$422.73
Fees + prepaids$9,369.73
Your down payment is the seller’s equity. You take over the $76,574 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $122,795.97 is due at closing. Uses and sources reconcile at $199,369.73 each. Not a Closing Disclosure.