Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$186,728Cash toward the purchase price.
Closing costs + prepaids$11,844Not just lender fees.
Before credits & paid funds$198,572The complete starting cash picture.
Estimated remaining funds due at closing
$198,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,727.70
Your down payment$186,727.70
Closing costs + prepaids$11,844.32
Total buyer cash needed$198,572.01
Remaining funds due$198,572.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$339.25
Prepaid interest, first (26 days)$1,080.08
Fees + prepaids$11,844.32
Your down payment is the seller’s equity. You take over the $233,271 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $198,572.01 is due at closing. Uses and sources reconcile at $431,843.32 each. Not a Closing Disclosure.