Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$180,512Cash toward the purchase price.
Closing costs + prepaids$9,434Not just lender fees.
Before credits & paid funds$189,946The complete starting cash picture.
Estimated remaining funds due at closing
$189,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,512.31
Your down payment$180,512.31
Closing costs + prepaids$9,433.56
Total buyer cash needed$189,945.87
Remaining funds due$189,945.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.99
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)$298.25
Prepaid interest, first (30 days)$310.32
Fees + prepaids$9,433.56
Your down payment is the seller’s equity. You take over the $79,487 balance, so the rest of the $259,999 price is paid at closing. A second mortgage can cover part of it. $189,945.87 is due at closing. Uses and sources reconcile at $269,432.56 each. Not a Closing Disclosure.