Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$192,805Cash toward the purchase price.
Closing costs + prepaids$9,688Not just lender fees.
Before credits & paid funds$202,493The complete starting cash picture.
Estimated remaining funds due at closing
$202,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,805.19
Your down payment$192,805.19
Closing costs + prepaids$9,687.51
Total buyer cash needed$202,492.70
Remaining funds due$202,492.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$486.00
Prepaid interest, first (22 days)$186.51
Fees + prepaids$9,687.51
Your down payment is the seller’s equity. You take over the $86,195 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $202,492.70 is due at closing. Uses and sources reconcile at $288,687.51 each. Not a Closing Disclosure.