Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$177,649Cash toward the purchase price.
Closing costs + prepaids$11,640Not just lender fees.
Before credits & paid funds$189,289The complete starting cash picture.
Estimated remaining funds due at closing
$189,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,649.42
Your down payment$177,649.42
Closing costs + prepaids$11,639.84
Total buyer cash needed$189,289.26
Remaining funds due$189,289.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.99
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)$921.50
Prepaid interest, first (25 days)$643.35
Fees + prepaids$11,639.84
Your down payment is the seller’s equity. You take over the $207,350 balance, so the rest of the $384,999 price is paid at closing. A second mortgage can cover part of it. $189,289.26 is due at closing. Uses and sources reconcile at $396,638.84 each. Not a Closing Disclosure.