Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$190,170Cash toward the purchase price.
Closing costs + prepaids$9,711Not just lender fees.
Before credits & paid funds$199,881The complete starting cash picture.
Estimated remaining funds due at closing
$199,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,170.34
Your down payment$190,170.34
Closing costs + prepaids$9,711.00
Total buyer cash needed$199,881.34
Remaining funds due$199,881.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$202.00
Prepaid interest, first (24 days)$285.00
Fees + prepaids$9,711.00
Your down payment is the seller’s equity. You take over the $109,730 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $199,881.34 is due at closing. Uses and sources reconcile at $309,611.00 each. Not a Closing Disclosure.