Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,033Cash toward the purchase price.
Closing costs + prepaids$8,247Not just lender fees.
Before credits & paid funds$31,281The complete starting cash picture.
Estimated remaining funds due at closing
$31,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,033.39
Your down payment$23,033.39
Closing costs + prepaids$8,247.39
Total buyer cash needed$31,280.77
Remaining funds due$31,280.77
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)$90.00
Prepaid interest, first (1 days)$32.39
Fees + prepaids$8,247.39
Your down payment is the seller’s equity. You take over the $166,967 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $31,280.77 is due at closing. Uses and sources reconcile at $198,247.39 each. Not a Closing Disclosure.