Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$183,586Cash toward the purchase price.
Closing costs + prepaids$8,682Not just lender fees.
Before credits & paid funds$192,268The complete starting cash picture.
Estimated remaining funds due at closing
$192,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,585.87
Your down payment$183,585.87
Closing costs + prepaids$8,682.37
Total buyer cash needed$192,268.24
Remaining funds due$192,268.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$185.50
Prepaid interest, first (24 days)$121.87
Fees + prepaids$8,682.37
Your down payment is the seller’s equity. You take over the $31,414 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $192,268.24 is due at closing. Uses and sources reconcile at $223,682.37 each. Not a Closing Disclosure.