Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$182,203Cash toward the purchase price.
Closing costs + prepaids$12,913Not just lender fees.
Before credits & paid funds$195,116The complete starting cash picture.
Estimated remaining funds due at closing
$195,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,202.89
Your down payment$182,202.89
Closing costs + prepaids$12,912.93
Total buyer cash needed$195,115.82
Remaining funds due$195,115.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,945.00
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)$2,034.50
Prepaid interest, first (29 days)$708.43
Fees + prepaids$12,912.93
Your down payment is the seller’s equity. You take over the $212,297 balance, so the rest of the $394,500 price is paid at closing. A second mortgage can cover part of it. $195,115.82 is due at closing. Uses and sources reconcile at $407,412.93 each. Not a Closing Disclosure.