Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$189,456Cash toward the purchase price.
Closing costs + prepaids$9,785Not just lender fees.
Before credits & paid funds$199,241The complete starting cash picture.
Estimated remaining funds due at closing
$199,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,456.26
Your down payment$189,456.26
Closing costs + prepaids$9,784.63
Total buyer cash needed$199,240.89
Remaining funds due$199,240.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,885.00
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)$547.75
Prepaid interest, first (28 days)$126.88
Fees + prepaids$9,784.63
Your down payment is the seller’s equity. You take over the $99,044 balance, so the rest of the $288,500 price is paid at closing. A second mortgage can cover part of it. $199,240.89 is due at closing. Uses and sources reconcile at $298,284.63 each. Not a Closing Disclosure.