Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$180,405Cash toward the purchase price.
Closing costs + prepaids$9,888Not just lender fees.
Before credits & paid funds$190,292The complete starting cash picture.
Estimated remaining funds due at closing
$190,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,404.53
Your down payment$180,404.53
Closing costs + prepaids$9,887.86
Total buyer cash needed$190,292.38
Remaining funds due$190,292.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$503.25
Prepaid interest, first (22 days)$259.61
Fees + prepaids$9,887.86
Your down payment is the seller’s equity. You take over the $109,595 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $190,292.38 is due at closing. Uses and sources reconcile at $299,887.86 each. Not a Closing Disclosure.