Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$28,071Cash toward the purchase price.
Closing costs + prepaids$8,811Not just lender fees.
Before credits & paid funds$36,881The complete starting cash picture.
Estimated remaining funds due at closing
$36,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,070.82
Your down payment$28,070.82
Closing costs + prepaids$8,810.54
Total buyer cash needed$36,881.37
Remaining funds due$36,881.37
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)$449.04
Fees + prepaids$8,810.54
Your down payment is the seller’s equity. You take over the $161,829 balance, so the rest of the $189,900 price is paid at closing. A second mortgage can cover part of it. $36,881.37 is due at closing. Uses and sources reconcile at $198,710.54 each. Not a Closing Disclosure.