Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$192,866Cash toward the purchase price.
Closing costs + prepaids$11,720Not just lender fees.
Before credits & paid funds$204,586The complete starting cash picture.
Estimated remaining funds due at closing
$204,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,866.41
Your down payment$192,866.41
Closing costs + prepaids$11,719.74
Total buyer cash needed$204,586.14
Remaining funds due$204,586.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,909.00
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)$1,111.00
Prepaid interest, first (25 days)$474.74
Fees + prepaids$11,719.74
Your down payment is the seller’s equity. You take over the $198,034 balance, so the rest of the $390,900 price is paid at closing. A second mortgage can cover part of it. $204,586.14 is due at closing. Uses and sources reconcile at $402,619.74 each. Not a Closing Disclosure.