Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$183,902Cash toward the purchase price.
Closing costs + prepaids$10,025Not just lender fees.
Before credits & paid funds$193,927The complete starting cash picture.
Estimated remaining funds due at closing
$193,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,902.16
Your down payment$183,902.16
Closing costs + prepaids$10,024.94
Total buyer cash needed$193,927.10
Remaining funds due$193,927.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$165.00
Prepaid interest, first (30 days)$435.94
Fees + prepaids$10,024.94
Your down payment is the seller’s equity. You take over the $135,998 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $193,927.10 is due at closing. Uses and sources reconcile at $329,924.94 each. Not a Closing Disclosure.