Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$185,013Cash toward the purchase price.
Closing costs + prepaids$12,137Not just lender fees.
Before credits & paid funds$197,150The complete starting cash picture.
Estimated remaining funds due at closing
$197,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,013.25
Your down payment$185,013.25
Closing costs + prepaids$12,136.69
Total buyer cash needed$197,149.95
Remaining funds due$197,149.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$234.75
Prepaid interest, first (27 days)$1,276.95
Fees + prepaids$12,136.69
Your down payment is the seller’s equity. You take over the $254,986 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $197,149.95 is due at closing. Uses and sources reconcile at $452,135.69 each. Not a Closing Disclosure.