Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$191,763Cash toward the purchase price.
Closing costs + prepaids$9,011Not just lender fees.
Before credits & paid funds$200,774The complete starting cash picture.
Estimated remaining funds due at closing
$200,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,762.68
Your down payment$191,762.68
Closing costs + prepaids$9,011.47
Total buyer cash needed$200,774.15
Remaining funds due$200,774.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,448.50
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)$92.75
Prepaid interest, first (30 days)$245.22
Fees + prepaids$9,011.47
Your down payment is the seller’s equity. You take over the $53,087 balance, so the rest of the $244,850 price is paid at closing. A second mortgage can cover part of it. $200,774.15 is due at closing. Uses and sources reconcile at $253,861.47 each. Not a Closing Disclosure.