Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$185,276Cash toward the purchase price.
Closing costs + prepaids$14,175Not just lender fees.
Before credits & paid funds$199,450The complete starting cash picture.
Estimated remaining funds due at closing
$199,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,275.69
Your down payment$185,275.69
Closing costs + prepaids$14,174.64
Total buyer cash needed$199,450.33
Remaining funds due$199,450.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$846.00
Prepaid interest, first (23 days)$903.64
Fees + prepaids$14,174.64
Your down payment is the seller’s equity. You take over the $409,724 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $199,450.33 is due at closing. Uses and sources reconcile at $609,174.64 each. Not a Closing Disclosure.