Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$133,218Cash toward the purchase price.
Closing costs + prepaids$8,617Not just lender fees.
Before credits & paid funds$141,835The complete starting cash picture.
Estimated remaining funds due at closing
$141,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,217.54
Your down payment$133,217.54
Closing costs + prepaids$8,617.34
Total buyer cash needed$141,834.88
Remaining funds due$141,834.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,930.00
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)$276.00
Prepaid interest, first (31 days)$186.34
Fees + prepaids$8,617.34
Your down payment is the seller’s equity. You take over the $59,782 balance, so the rest of the $193,000 price is paid at closing. A second mortgage can cover part of it. $141,834.88 is due at closing. Uses and sources reconcile at $201,617.34 each. Not a Closing Disclosure.