Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$182,719Cash toward the purchase price.
Closing costs + prepaids$11,260Not just lender fees.
Before credits & paid funds$193,979The complete starting cash picture.
Estimated remaining funds due at closing
$193,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,719.15
Your down payment$182,719.15
Closing costs + prepaids$11,259.58
Total buyer cash needed$193,978.73
Remaining funds due$193,978.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$470.50
Prepaid interest, first (23 days)$564.09
Fees + prepaids$11,259.58
Your down payment is the seller’s equity. You take over the $217,280 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $193,978.73 is due at closing. Uses and sources reconcile at $411,258.58 each. Not a Closing Disclosure.