Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$187,590Cash toward the purchase price.
Closing costs + prepaids$8,731Not just lender fees.
Before credits & paid funds$196,321The complete starting cash picture.
Estimated remaining funds due at closing
$196,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,590.48
Your down payment$187,590.48
Closing costs + prepaids$8,730.53
Total buyer cash needed$196,321.01
Remaining funds due$196,321.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$244.50
Prepaid interest, first (2 days)$11.03
Fees + prepaids$8,730.53
Your down payment is the seller’s equity. You take over the $37,410 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $196,321.01 is due at closing. Uses and sources reconcile at $233,730.53 each. Not a Closing Disclosure.