Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$12,416Cash toward the purchase price.
Closing costs + prepaids$9,238Not just lender fees.
Before credits & paid funds$21,654The complete starting cash picture.
Estimated remaining funds due at closing
$21,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,415.57
Your down payment$12,415.57
Closing costs + prepaids$9,238.26
Total buyer cash needed$21,653.84
Remaining funds due$21,653.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,899.99
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)$310.50
Prepaid interest, first (25 days)$802.77
Fees + prepaids$9,238.26
Your down payment is the seller’s equity. You take over the $177,583 balance, so the rest of the $189,999 price is paid at closing. A second mortgage can cover part of it. $21,653.84 is due at closing. Uses and sources reconcile at $199,237.26 each. Not a Closing Disclosure.