Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$187,815Cash toward the purchase price.
Closing costs + prepaids$9,441Not just lender fees.
Before credits & paid funds$197,256The complete starting cash picture.
Estimated remaining funds due at closing
$197,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,815.30
Your down payment$187,815.30
Closing costs + prepaids$9,440.51
Total buyer cash needed$197,255.81
Remaining funds due$197,255.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,535.00
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)$510.00
Prepaid interest, first (25 days)$170.51
Fees + prepaids$9,440.51
Your down payment is the seller’s equity. You take over the $65,685 balance, so the rest of the $253,500 price is paid at closing. A second mortgage can cover part of it. $197,255.81 is due at closing. Uses and sources reconcile at $262,940.51 each. Not a Closing Disclosure.