Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$185,324Cash toward the purchase price.
Closing costs + prepaids$13,407Not just lender fees.
Before credits & paid funds$198,731The complete starting cash picture.
Estimated remaining funds due at closing
$198,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,323.94
Your down payment$185,323.94
Closing costs + prepaids$13,407.40
Total buyer cash needed$198,731.34
Remaining funds due$198,731.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,495.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$509.50
Prepaid interest, first (30 days)$927.90
Fees + prepaids$13,407.40
Your down payment is the seller’s equity. You take over the $364,176 balance, so the rest of the $549,500 price is paid at closing. A second mortgage can cover part of it. $198,731.34 is due at closing. Uses and sources reconcile at $562,907.40 each. Not a Closing Disclosure.