Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$190,460Cash toward the purchase price.
Closing costs + prepaids$10,793Not just lender fees.
Before credits & paid funds$201,253The complete starting cash picture.
Estimated remaining funds due at closing
$201,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,459.84
Your down payment$190,459.84
Closing costs + prepaids$10,793.05
Total buyer cash needed$201,252.89
Remaining funds due$201,252.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,095.00
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)$1,138.50
Prepaid interest, first (23 days)$334.55
Fees + prepaids$10,793.05
Your down payment is the seller’s equity. You take over the $119,040 balance, so the rest of the $309,500 price is paid at closing. A second mortgage can cover part of it. $201,252.89 is due at closing. Uses and sources reconcile at $320,293.05 each. Not a Closing Disclosure.