Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$174,602Cash toward the purchase price.
Closing costs + prepaids$8,886Not just lender fees.
Before credits & paid funds$183,489The complete starting cash picture.
Estimated remaining funds due at closing
$183,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,602.41
Your down payment$174,602.41
Closing costs + prepaids$8,886.28
Total buyer cash needed$183,488.69
Remaining funds due$183,488.69
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)$75.25
Initial HOA (3 months)$636.00
Prepaid interest, first (20 days)$50.03
Fees + prepaids$8,886.28
Your down payment is the seller’s equity. You take over the $15,398 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $183,488.69 is due at closing. Uses and sources reconcile at $198,886.28 each. Not a Closing Disclosure.