Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$187,366Cash toward the purchase price.
Closing costs + prepaids$10,348Not just lender fees.
Before credits & paid funds$197,713The complete starting cash picture.
Estimated remaining funds due at closing
$197,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,365.56
Your down payment$187,365.56
Closing costs + prepaids$10,347.80
Total buyer cash needed$197,713.36
Remaining funds due$197,713.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,880.00
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)$979.00
Prepaid interest, first (26 days)$263.80
Fees + prepaids$10,347.80
Your down payment is the seller’s equity. You take over the $100,634 balance, so the rest of the $288,000 price is paid at closing. A second mortgage can cover part of it. $197,713.36 is due at closing. Uses and sources reconcile at $298,347.80 each. Not a Closing Disclosure.