Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$179,022Cash toward the purchase price.
Closing costs + prepaids$11,816Not just lender fees.
Before credits & paid funds$190,838The complete starting cash picture.
Estimated remaining funds due at closing
$190,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,021.99
Your down payment$179,021.99
Closing costs + prepaids$11,816.38
Total buyer cash needed$190,838.37
Remaining funds due$190,838.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$986.75
Prepaid interest, first (24 days)$454.63
Fees + prepaids$11,816.38
Your down payment is the seller’s equity. You take over the $235,978 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $190,838.37 is due at closing. Uses and sources reconcile at $426,816.38 each. Not a Closing Disclosure.