Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$179,412Cash toward the purchase price.
Closing costs + prepaids$10,128Not just lender fees.
Before credits & paid funds$189,540The complete starting cash picture.
Estimated remaining funds due at closing
$189,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,412.28
Your down payment$179,412.28
Closing costs + prepaids$10,128.15
Total buyer cash needed$189,540.43
Remaining funds due$189,540.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.90
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)$1,131.25
Prepaid interest, first (2 days)$22.00
Fees + prepaids$10,128.15
Your down payment is the seller’s equity. You take over the $95,578 balance, so the rest of the $274,990 price is paid at closing. A second mortgage can cover part of it. $189,540.43 is due at closing. Uses and sources reconcile at $285,118.15 each. Not a Closing Disclosure.