Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$169,002Cash toward the purchase price.
Closing costs + prepaids$9,414Not just lender fees.
Before credits & paid funds$178,416The complete starting cash picture.
Estimated remaining funds due at closing
$178,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,002.03
Your down payment$169,002.03
Closing costs + prepaids$9,413.98
Total buyer cash needed$178,416.00
Remaining funds due$178,416.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$827.75
Prepaid interest, first (25 days)$171.23
Fees + prepaids$9,413.98
Your down payment is the seller’s equity. You take over the $49,998 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $178,416.00 is due at closing. Uses and sources reconcile at $228,413.98 each. Not a Closing Disclosure.