Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$180,909Cash toward the purchase price.
Closing costs + prepaids$13,786Not just lender fees.
Before credits & paid funds$194,695The complete starting cash picture.
Estimated remaining funds due at closing
$194,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,908.99
Your down payment$180,908.99
Closing costs + prepaids$13,786.31
Total buyer cash needed$194,695.30
Remaining funds due$194,695.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,085.00
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)$2,968.75
Prepaid interest, first (22 days)$507.56
Fees + prepaids$13,786.31
Your down payment is the seller’s equity. You take over the $227,591 balance, so the rest of the $408,500 price is paid at closing. A second mortgage can cover part of it. $194,695.30 is due at closing. Uses and sources reconcile at $422,286.31 each. Not a Closing Disclosure.