Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$187,717Cash toward the purchase price.
Closing costs + prepaids$10,115Not just lender fees.
Before credits & paid funds$197,833The complete starting cash picture.
Estimated remaining funds due at closing
$197,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,717.43
Your down payment$187,717.43
Closing costs + prepaids$10,115.42
Total buyer cash needed$197,832.85
Remaining funds due$197,832.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$113.25
Prepaid interest, first (23 days)$528.17
Fees + prepaids$10,115.42
Your down payment is the seller’s equity. You take over the $137,183 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $197,832.85 is due at closing. Uses and sources reconcile at $335,015.42 each. Not a Closing Disclosure.