Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$186,046Cash toward the purchase price.
Closing costs + prepaids$10,079Not just lender fees.
Before credits & paid funds$196,125The complete starting cash picture.
Estimated remaining funds due at closing
$196,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,046.30
Your down payment$186,046.30
Closing costs + prepaids$10,078.74
Total buyer cash needed$196,125.04
Remaining funds due$196,125.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$351.75
Prepaid interest, first (27 days)$351.99
Fees + prepaids$10,078.74
Your down payment is the seller’s equity. You take over the $128,954 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $196,125.04 is due at closing. Uses and sources reconcile at $325,078.74 each. Not a Closing Disclosure.