Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$190,026Cash toward the purchase price.
Closing costs + prepaids$11,660Not just lender fees.
Before credits & paid funds$201,686The complete starting cash picture.
Estimated remaining funds due at closing
$201,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,026.32
Your down payment$190,026.32
Closing costs + prepaids$11,659.78
Total buyer cash needed$201,686.11
Remaining funds due$201,686.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$635.75
Prepaid interest, first (26 days)$649.03
Fees + prepaids$11,659.78
Your down payment is the seller’s equity. You take over the $224,974 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $201,686.11 is due at closing. Uses and sources reconcile at $426,659.78 each. Not a Closing Disclosure.