Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$188,404Cash toward the purchase price.
Closing costs + prepaids$8,585Not just lender fees.
Before credits & paid funds$196,989The complete starting cash picture.
Estimated remaining funds due at closing
$196,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,403.65
Your down payment$188,403.65
Closing costs + prepaids$8,585.24
Total buyer cash needed$196,988.90
Remaining funds due$196,988.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.99
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)$311.00
Prepaid interest, first (24 days)$49.25
Fees + prepaids$8,585.24
Your down payment is the seller’s equity. You take over the $11,595 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $196,988.90 is due at closing. Uses and sources reconcile at $208,584.24 each. Not a Closing Disclosure.