Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$188,807Cash toward the purchase price.
Closing costs + prepaids$10,686Not just lender fees.
Before credits & paid funds$199,493The complete starting cash picture.
Estimated remaining funds due at closing
$199,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,807.11
Your down payment$188,807.11
Closing costs + prepaids$10,686.12
Total buyer cash needed$199,493.24
Remaining funds due$199,493.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$433.50
Prepaid interest, first (24 days)$428.62
Fees + prepaids$10,686.12
Your down payment is the seller’s equity. You take over the $171,093 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $199,493.24 is due at closing. Uses and sources reconcile at $370,586.12 each. Not a Closing Disclosure.