Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$74,759Cash toward the purchase price.
Closing costs + prepaids$8,271Not just lender fees.
Before credits & paid funds$83,029The complete starting cash picture.
Estimated remaining funds due at closing
$83,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,758.70
Your down payment$74,758.70
Closing costs + prepaids$8,270.62
Total buyer cash needed$83,029.31
Remaining funds due$83,029.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,950.00
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)$84.25
Prepaid interest, first (1 days)$11.37
Fees + prepaids$8,270.62
Your down payment is the seller’s equity. You take over the $120,241 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $83,029.31 is due at closing. Uses and sources reconcile at $203,270.62 each. Not a Closing Disclosure.