Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$185,889Cash toward the purchase price.
Closing costs + prepaids$12,002Not just lender fees.
Before credits & paid funds$197,891The complete starting cash picture.
Estimated remaining funds due at closing
$197,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,888.69
Your down payment$185,888.69
Closing costs + prepaids$12,002.36
Total buyer cash needed$197,891.05
Remaining funds due$197,891.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$921.75
Prepaid interest, first (27 days)$665.61
Fees + prepaids$12,002.36
Your down payment is the seller’s equity. You take over the $233,111 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $197,891.05 is due at closing. Uses and sources reconcile at $431,002.36 each. Not a Closing Disclosure.