Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$178,338Cash toward the purchase price.
Closing costs + prepaids$11,754Not just lender fees.
Before credits & paid funds$190,093The complete starting cash picture.
Estimated remaining funds due at closing
$190,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,338.42
Your down payment$178,338.42
Closing costs + prepaids$11,754.11
Total buyer cash needed$190,092.53
Remaining funds due$190,092.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,035.00
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)$1,008.75
Prepaid interest, first (28 days)$485.36
Fees + prepaids$11,754.11
Your down payment is the seller’s equity. You take over the $225,162 balance, so the rest of the $403,500 price is paid at closing. A second mortgage can cover part of it. $190,092.53 is due at closing. Uses and sources reconcile at $415,254.11 each. Not a Closing Disclosure.