Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$182,696Cash toward the purchase price.
Closing costs + prepaids$9,672Not just lender fees.
Before credits & paid funds$192,368The complete starting cash picture.
Estimated remaining funds due at closing
$192,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,696.00
Your down payment$182,696.00
Closing costs + prepaids$9,672.39
Total buyer cash needed$192,368.39
Remaining funds due$192,368.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$143.25
Prepaid interest, first (26 days)$304.15
Fees + prepaids$9,672.39
Your down payment is the seller’s equity. You take over the $117,303 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $192,368.39 is due at closing. Uses and sources reconcile at $309,671.39 each. Not a Closing Disclosure.