Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$178,331Cash toward the purchase price.
Closing costs + prepaids$12,262Not just lender fees.
Before credits & paid funds$190,593The complete starting cash picture.
Estimated remaining funds due at closing
$190,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,330.73
Your down payment$178,330.73
Closing costs + prepaids$12,261.90
Total buyer cash needed$190,592.63
Remaining funds due$190,592.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,265.50
Prepaid interest, first (23 days)$472.40
Fees + prepaids$12,261.90
Your down payment is the seller’s equity. You take over the $251,569 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $190,592.63 is due at closing. Uses and sources reconcile at $442,161.90 each. Not a Closing Disclosure.