Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$188,534Cash toward the purchase price.
Closing costs + prepaids$8,747Not just lender fees.
Before credits & paid funds$197,281The complete starting cash picture.
Estimated remaining funds due at closing
$197,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,533.69
Your down payment$188,533.69
Closing costs + prepaids$8,747.32
Total buyer cash needed$197,281.01
Remaining funds due$197,281.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,983.20
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)$495.75
Prepaid interest, first (25 days)$43.37
Fees + prepaids$8,747.32
Your down payment is the seller’s equity. You take over the $9,786 balance, so the rest of the $198,320 price is paid at closing. A second mortgage can cover part of it. $197,281.01 is due at closing. Uses and sources reconcile at $207,067.32 each. Not a Closing Disclosure.