Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$133,027Cash toward the purchase price.
Closing costs + prepaids$8,443Not just lender fees.
Before credits & paid funds$141,470The complete starting cash picture.
Estimated remaining funds due at closing
$141,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,027.23
Your down payment$133,027.23
Closing costs + prepaids$8,443.06
Total buyer cash needed$141,470.29
Remaining funds due$141,470.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,930.00
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)$276.00
Prepaid interest, first (2 days)$12.06
Fees + prepaids$8,443.06
Your down payment is the seller’s equity. You take over the $59,973 balance, so the rest of the $193,000 price is paid at closing. A second mortgage can cover part of it. $141,470.29 is due at closing. Uses and sources reconcile at $201,443.06 each. Not a Closing Disclosure.