Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$100,814Cash toward the purchase price.
Closing costs + prepaids$8,501Not just lender fees.
Before credits & paid funds$109,315The complete starting cash picture.
Estimated remaining funds due at closing
$109,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,814.14
Your down payment$100,814.14
Closing costs + prepaids$8,500.52
Total buyer cash needed$109,314.66
Remaining funds due$109,314.66
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)$237.50
Prepaid interest, first (16 days)$139.02
Fees + prepaids$8,500.52
Your down payment is the seller’s equity. You take over the $89,086 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $109,314.66 is due at closing. Uses and sources reconcile at $198,400.52 each. Not a Closing Disclosure.