Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$193,339Cash toward the purchase price.
Closing costs + prepaids$8,903Not just lender fees.
Before credits & paid funds$202,242The complete starting cash picture.
Estimated remaining funds due at closing
$202,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,339.00
Your down payment$193,339.00
Closing costs + prepaids$8,903.23
Total buyer cash needed$202,242.23
Remaining funds due$202,242.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$148.50
Prepaid interest, first (28 days)$130.73
Fees + prepaids$8,903.23
Your down payment is the seller’s equity. You take over the $46,561 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $202,242.23 is due at closing. Uses and sources reconcile at $248,803.23 each. Not a Closing Disclosure.