Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$183,364Cash toward the purchase price.
Closing costs + prepaids$11,786Not just lender fees.
Before credits & paid funds$195,150The complete starting cash picture.
Estimated remaining funds due at closing
$195,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,363.86
Your down payment$183,363.86
Closing costs + prepaids$11,785.73
Total buyer cash needed$195,149.58
Remaining funds due$195,149.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$971.75
Prepaid interest, first (25 days)$488.98
Fees + prepaids$11,785.73
Your down payment is the seller’s equity. You take over the $226,636 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $195,149.58 is due at closing. Uses and sources reconcile at $421,785.73 each. Not a Closing Disclosure.