Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$188,941Cash toward the purchase price.
Closing costs + prepaids$10,042Not just lender fees.
Before credits & paid funds$198,983The complete starting cash picture.
Estimated remaining funds due at closing
$198,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,940.94
Your down payment$188,940.94
Closing costs + prepaids$10,042.04
Total buyer cash needed$198,982.98
Remaining funds due$198,982.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
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)$629.50
Prepaid interest, first (23 days)$207.54
Fees + prepaids$10,042.04
Your down payment is the seller’s equity. You take over the $109,059 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $198,982.98 is due at closing. Uses and sources reconcile at $308,042.04 each. Not a Closing Disclosure.