Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$187,183Cash toward the purchase price.
Closing costs + prepaids$11,539Not just lender fees.
Before credits & paid funds$198,722The complete starting cash picture.
Estimated remaining funds due at closing
$198,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,182.65
Your down payment$187,182.65
Closing costs + prepaids$11,538.94
Total buyer cash needed$198,721.60
Remaining funds due$198,721.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$980.25
Prepaid interest, first (23 days)$383.69
Fees + prepaids$11,538.94
Your down payment is the seller’s equity. You take over the $207,817 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $198,721.60 is due at closing. Uses and sources reconcile at $406,538.94 each. Not a Closing Disclosure.