Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$187,130Cash toward the purchase price.
Closing costs + prepaids$11,181Not just lender fees.
Before credits & paid funds$198,311The complete starting cash picture.
Estimated remaining funds due at closing
$198,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,129.89
Your down payment$187,129.89
Closing costs + prepaids$11,180.69
Total buyer cash needed$198,310.57
Remaining funds due$198,310.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$267.75
Initial HOA (3 months)$1,542.00
Prepaid interest, first (23 days)$196.94
Fees + prepaids$11,180.69
Your down payment is the seller’s equity. You take over the $107,770 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $198,310.57 is due at closing. Uses and sources reconcile at $306,080.69 each. Not a Closing Disclosure.