Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$183,186Cash toward the purchase price.
Closing costs + prepaids$9,611Not just lender fees.
Before credits & paid funds$192,797The complete starting cash picture.
Estimated remaining funds due at closing
$192,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,186.18
Your down payment$183,186.18
Closing costs + prepaids$9,611.16
Total buyer cash needed$192,797.34
Remaining funds due$192,797.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.98
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)$386.50
Prepaid interest, first (30 days)$299.68
Fees + prepaids$9,611.16
Your down payment is the seller’s equity. You take over the $86,812 balance, so the rest of the $269,998 price is paid at closing. A second mortgage can cover part of it. $192,797.34 is due at closing. Uses and sources reconcile at $279,609.16 each. Not a Closing Disclosure.