Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$186,706Cash toward the purchase price.
Closing costs + prepaids$12,306Not just lender fees.
Before credits & paid funds$199,012The complete starting cash picture.
Estimated remaining funds due at closing
$199,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,706.15
Your down payment$186,706.15
Closing costs + prepaids$12,305.74
Total buyer cash needed$199,011.89
Remaining funds due$199,011.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$321.25
Prepaid interest, first (24 days)$559.49
Fees + prepaids$12,305.74
Your down payment is the seller’s equity. You take over the $308,294 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $199,011.89 is due at closing. Uses and sources reconcile at $507,305.74 each. Not a Closing Disclosure.