Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$183,440Cash toward the purchase price.
Closing costs + prepaids$9,348Not just lender fees.
Before credits & paid funds$192,788The complete starting cash picture.
Estimated remaining funds due at closing
$192,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,440.27
Your down payment$183,440.27
Closing costs + prepaids$9,347.87
Total buyer cash needed$192,788.14
Remaining funds due$192,788.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$423.00
Prepaid interest, first (28 days)$200.87
Fees + prepaids$9,347.87
Your down payment is the seller’s equity. You take over the $66,460 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $192,788.14 is due at closing. Uses and sources reconcile at $259,247.87 each. Not a Closing Disclosure.