Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$83,203Cash toward the purchase price.
Closing costs + prepaids$9,767Not just lender fees.
Before credits & paid funds$92,971The complete starting cash picture.
Estimated remaining funds due at closing
$92,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,203.19
Your down payment$83,203.19
Closing costs + prepaids$9,767.40
Total buyer cash needed$92,970.59
Remaining funds due$92,970.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,950.00
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)$1,290.00
Prepaid interest, first (7 days)$68.40
Fees + prepaids$9,767.40
Your down payment is the seller’s equity. You take over the $111,797 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $92,970.59 is due at closing. Uses and sources reconcile at $204,767.40 each. Not a Closing Disclosure.