Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$183,327Cash toward the purchase price.
Closing costs + prepaids$12,235Not just lender fees.
Before credits & paid funds$195,562The complete starting cash picture.
Estimated remaining funds due at closing
$195,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,327.49
Your down payment$183,327.49
Closing costs + prepaids$12,234.60
Total buyer cash needed$195,562.09
Remaining funds due$195,562.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.90
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)$624.75
Prepaid interest, first (23 days)$984.95
Fees + prepaids$12,234.60
Your down payment is the seller’s equity. You take over the $256,663 balance, so the rest of the $439,990 price is paid at closing. A second mortgage can cover part of it. $195,562.09 is due at closing. Uses and sources reconcile at $452,224.60 each. Not a Closing Disclosure.