Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$187,823Cash toward the purchase price.
Closing costs + prepaids$12,737Not just lender fees.
Before credits & paid funds$200,560The complete starting cash picture.
Estimated remaining funds due at closing
$200,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,822.57
Your down payment$187,822.57
Closing costs + prepaids$12,737.36
Total buyer cash needed$200,559.93
Remaining funds due$200,559.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$308.50
Prepaid interest, first (1 days)$54.86
Fees + prepaids$12,737.36
Your down payment is the seller’s equity. You take over the $402,077 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $200,559.93 is due at closing. Uses and sources reconcile at $602,637.36 each. Not a Closing Disclosure.