Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$161,530Cash toward the purchase price.
Closing costs + prepaids$8,296Not just lender fees.
Before credits & paid funds$169,826The complete starting cash picture.
Estimated remaining funds due at closing
$169,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,529.98
Your down payment$161,529.98
Closing costs + prepaids$8,295.73
Total buyer cash needed$169,825.71
Remaining funds due$169,825.71
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)$168.00
Prepaid interest, first (1 days)$2.73
Fees + prepaids$8,295.73
Your down payment is the seller’s equity. You take over the $28,470 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $169,825.71 is due at closing. Uses and sources reconcile at $198,295.73 each. Not a Closing Disclosure.