Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$181,808Cash toward the purchase price.
Closing costs + prepaids$9,890Not just lender fees.
Before credits & paid funds$191,698The complete starting cash picture.
Estimated remaining funds due at closing
$191,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,807.86
Your down payment$181,807.86
Closing costs + prepaids$9,889.81
Total buyer cash needed$191,697.67
Remaining funds due$191,697.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$943.00
Prepaid interest, first (24 days)$171.81
Fees + prepaids$9,889.81
Your down payment is the seller’s equity. You take over the $73,192 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $191,697.67 is due at closing. Uses and sources reconcile at $264,889.81 each. Not a Closing Disclosure.