Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$185,098Cash toward the purchase price.
Closing costs + prepaids$10,614Not just lender fees.
Before credits & paid funds$195,712The complete starting cash picture.
Estimated remaining funds due at closing
$195,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,098.11
Your down payment$185,098.11
Closing costs + prepaids$10,614.15
Total buyer cash needed$195,712.26
Remaining funds due$195,712.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,256.69
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)$683.25
Prepaid interest, first (27 days)$449.21
Fees + prepaids$10,614.15
Your down payment is the seller’s equity. You take over the $140,571 balance, so the rest of the $325,669 price is paid at closing. A second mortgage can cover part of it. $195,712.26 is due at closing. Uses and sources reconcile at $336,283.15 each. Not a Closing Disclosure.