Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$178,332Cash toward the purchase price.
Closing costs + prepaids$9,307Not just lender fees.
Before credits & paid funds$187,639The complete starting cash picture.
Estimated remaining funds due at closing
$187,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,331.92
Your down payment$178,331.92
Closing costs + prepaids$9,306.61
Total buyer cash needed$187,638.53
Remaining funds due$187,638.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$587.50
Prepaid interest, first (26 days)$144.11
Fees + prepaids$9,306.61
Your down payment is the seller’s equity. You take over the $56,668 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $187,638.53 is due at closing. Uses and sources reconcile at $244,306.61 each. Not a Closing Disclosure.