Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$181,284Cash toward the purchase price.
Closing costs + prepaids$8,686Not just lender fees.
Before credits & paid funds$189,971The complete starting cash picture.
Estimated remaining funds due at closing
$189,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,284.19
Your down payment$181,284.19
Closing costs + prepaids$8,686.50
Total buyer cash needed$189,970.68
Remaining funds due$189,970.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (25 days)$161.50
Fees + prepaids$8,686.50
Your down payment is the seller’s equity. You take over the $48,716 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $189,970.68 is due at closing. Uses and sources reconcile at $238,686.50 each. Not a Closing Disclosure.