Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$179,655Cash toward the purchase price.
Closing costs + prepaids$10,358Not just lender fees.
Before credits & paid funds$190,013The complete starting cash picture.
Estimated remaining funds due at closing
$190,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,654.95
Your down payment$179,654.95
Closing costs + prepaids$10,358.46
Total buyer cash needed$190,013.41
Remaining funds due$190,013.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.90
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)$1,131.25
Prepaid interest, first (23 days)$252.31
Fees + prepaids$10,358.46
Your down payment is the seller’s equity. You take over the $95,335 balance, so the rest of the $274,990 price is paid at closing. A second mortgage can cover part of it. $190,013.41 is due at closing. Uses and sources reconcile at $285,348.46 each. Not a Closing Disclosure.