Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$186,497Cash toward the purchase price.
Closing costs + prepaids$10,260Not just lender fees.
Before credits & paid funds$196,757The complete starting cash picture.
Estimated remaining funds due at closing
$196,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,496.84
Your down payment$186,496.84
Closing costs + prepaids$10,259.97
Total buyer cash needed$196,756.81
Remaining funds due$196,756.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$117.00
Initial HOA (3 months)$1,368.00
Prepaid interest, first (24 days)$199.97
Fees + prepaids$10,259.97
Your down payment is the seller’s equity. You take over the $48,503 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $196,756.81 is due at closing. Uses and sources reconcile at $245,259.97 each. Not a Closing Disclosure.