Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$189,385Cash toward the purchase price.
Closing costs + prepaids$10,971Not just lender fees.
Before credits & paid funds$200,356The complete starting cash picture.
Estimated remaining funds due at closing
$200,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,384.65
Your down payment$189,384.65
Closing costs + prepaids$10,971.15
Total buyer cash needed$200,355.80
Remaining funds due$200,355.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$1,679.25
Prepaid interest, first (31 days)$367.90
Fees + prepaids$10,971.15
Your down payment is the seller’s equity. You take over the $80,515 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $200,355.80 is due at closing. Uses and sources reconcile at $280,871.15 each. Not a Closing Disclosure.