Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$178,008Cash toward the purchase price.
Closing costs + prepaids$9,779Not just lender fees.
Before credits & paid funds$187,787The complete starting cash picture.
Estimated remaining funds due at closing
$187,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,007.69
Your down payment$178,007.69
Closing costs + prepaids$9,779.25
Total buyer cash needed$187,786.93
Remaining funds due$187,786.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,375.00
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)$844.25
Prepaid interest, first (31 days)$335.00
Fees + prepaids$9,779.25
Your down payment is the seller’s equity. You take over the $59,492 balance, so the rest of the $237,500 price is paid at closing. A second mortgage can cover part of it. $187,786.93 is due at closing. Uses and sources reconcile at $247,279.25 each. Not a Closing Disclosure.