Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$195,841Cash toward the purchase price.
Closing costs + prepaids$9,799Not just lender fees.
Before credits & paid funds$205,640The complete starting cash picture.
Estimated remaining funds due at closing
$205,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,840.86
Your down payment$195,840.86
Closing costs + prepaids$9,798.79
Total buyer cash needed$205,639.64
Remaining funds due$205,639.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,825.00
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)$522.50
Prepaid interest, first (27 days)$226.29
Fees + prepaids$9,798.79
Your down payment is the seller’s equity. You take over the $86,659 balance, so the rest of the $282,500 price is paid at closing. A second mortgage can cover part of it. $205,639.64 is due at closing. Uses and sources reconcile at $292,298.79 each. Not a Closing Disclosure.