Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$77,030Cash toward the purchase price.
Closing costs + prepaids$8,987Not just lender fees.
Before credits & paid funds$86,017The complete starting cash picture.
Estimated remaining funds due at closing
$86,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,029.95
Your down payment$77,029.95
Closing costs + prepaids$8,987.14
Total buyer cash needed$86,017.09
Remaining funds due$86,017.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,899.00
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)$122.75
Initial HOA (3 months)$570.00
Prepaid interest, first (19 days)$170.39
Fees + prepaids$8,987.14
Your down payment is the seller’s equity. You take over the $112,870 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $86,017.09 is due at closing. Uses and sources reconcile at $198,887.14 each. Not a Closing Disclosure.