Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$192,569Cash toward the purchase price.
Closing costs + prepaids$11,589Not just lender fees.
Before credits & paid funds$204,157The complete starting cash picture.
Estimated remaining funds due at closing
$204,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,568.61
Your down payment$192,568.61
Closing costs + prepaids$11,588.84
Total buyer cash needed$204,157.45
Remaining funds due$204,157.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$696.25
Prepaid interest, first (24 days)$567.59
Fees + prepaids$11,588.84
Your down payment is the seller’s equity. You take over the $217,431 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $204,157.45 is due at closing. Uses and sources reconcile at $421,588.84 each. Not a Closing Disclosure.