Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$186,094Cash toward the purchase price.
Closing costs + prepaids$8,988Not just lender fees.
Before credits & paid funds$195,082The complete starting cash picture.
Estimated remaining funds due at closing
$195,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,093.90
Your down payment$186,093.90
Closing costs + prepaids$8,987.74
Total buyer cash needed$195,081.64
Remaining funds due$195,081.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$191.00
Prepaid interest, first (27 days)$172.74
Fees + prepaids$8,987.74
Your down payment is the seller’s equity. You take over the $53,806 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $195,081.64 is due at closing. Uses and sources reconcile at $248,887.74 each. Not a Closing Disclosure.