Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$176,985Cash toward the purchase price.
Closing costs + prepaids$9,792Not just lender fees.
Before credits & paid funds$186,778The complete starting cash picture.
Estimated remaining funds due at closing
$186,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,985.34
Your down payment$176,985.34
Closing costs + prepaids$9,792.41
Total buyer cash needed$186,777.75
Remaining funds due$186,777.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$352.25
Prepaid interest, first (28 days)$316.16
Fees + prepaids$9,792.41
Your down payment is the seller’s equity. You take over the $112,915 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $186,777.75 is due at closing. Uses and sources reconcile at $299,692.41 each. Not a Closing Disclosure.