Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$226,025Cash toward the purchase price.
Closing costs + prepaids$12,161Not just lender fees.
Before credits & paid funds$238,186The complete starting cash picture.
Estimated remaining funds due at closing
$238,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,025.26
Your down payment$226,025.26
Closing costs + prepaids$12,160.51
Total buyer cash needed$238,185.77
Remaining funds due$238,185.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,180.00
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)$1,129.25
Prepaid interest, first (27 days)$626.26
Fees + prepaids$12,160.51
Your down payment is the seller’s equity. You take over the $191,975 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $238,185.77 is due at closing. Uses and sources reconcile at $430,160.51 each. Not a Closing Disclosure.