Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$146,637Cash toward the purchase price.
Closing costs + prepaids$9,515Not just lender fees.
Before credits & paid funds$156,152The complete starting cash picture.
Estimated remaining funds due at closing
$156,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,637.16
Your down payment$146,637.16
Closing costs + prepaids$9,514.65
Total buyer cash needed$156,151.80
Remaining funds due$156,151.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,949.00
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)$234.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (12 days)$56.65
Fees + prepaids$9,514.65
Your down payment is the seller’s equity. You take over the $48,263 balance, so the rest of the $194,900 price is paid at closing. A second mortgage can cover part of it. $156,151.80 is due at closing. Uses and sources reconcile at $204,414.65 each. Not a Closing Disclosure.