Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$183,483Cash toward the purchase price.
Closing costs + prepaids$8,931Not just lender fees.
Before credits & paid funds$192,414The complete starting cash picture.
Estimated remaining funds due at closing
$192,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,483.08
Your down payment$183,483.08
Closing costs + prepaids$8,930.68
Total buyer cash needed$192,413.76
Remaining funds due$192,413.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$128.25
Prepaid interest, first (26 days)$178.43
Fees + prepaids$8,930.68
Your down payment is the seller’s equity. You take over the $56,417 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $192,413.76 is due at closing. Uses and sources reconcile at $248,830.68 each. Not a Closing Disclosure.