Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$182,666Cash toward the purchase price.
Closing costs + prepaids$9,835Not just lender fees.
Before credits & paid funds$192,501The complete starting cash picture.
Estimated remaining funds due at closing
$192,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,665.54
Your down payment$182,665.54
Closing costs + prepaids$9,835.19
Total buyer cash needed$192,500.73
Remaining funds due$192,500.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$213.50
Prepaid interest, first (28 days)$297.69
Fees + prepaids$9,835.19
Your down payment is the seller’s equity. You take over the $127,234 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $192,500.73 is due at closing. Uses and sources reconcile at $319,735.19 each. Not a Closing Disclosure.