Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$188,778Cash toward the purchase price.
Closing costs + prepaids$15,165Not just lender fees.
Before credits & paid funds$203,943The complete starting cash picture.
Estimated remaining funds due at closing
$203,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,777.84
Your down payment$188,777.84
Closing costs + prepaids$15,164.75
Total buyer cash needed$203,942.59
Remaining funds due$203,942.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,180.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,545.00
Prepaid interest, first (28 days)$964.75
Fees + prepaids$15,164.75
Your down payment is the seller’s equity. You take over the $429,222 balance, so the rest of the $618,000 price is paid at closing. A second mortgage can cover part of it. $203,942.59 is due at closing. Uses and sources reconcile at $633,164.75 each. Not a Closing Disclosure.