Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$178,121Cash toward the purchase price.
Closing costs + prepaids$11,353Not just lender fees.
Before credits & paid funds$189,474The complete starting cash picture.
Estimated remaining funds due at closing
$189,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,121.13
Your down payment$178,121.13
Closing costs + prepaids$11,352.86
Total buyer cash needed$189,473.99
Remaining funds due$189,473.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$506.50
Prepaid interest, first (24 days)$571.36
Fees + prepaids$11,352.86
Your down payment is the seller’s equity. You take over the $226,879 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $189,473.99 is due at closing. Uses and sources reconcile at $416,352.86 each. Not a Closing Disclosure.