Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$192,805Cash toward the purchase price.
Closing costs + prepaids$9,764Not just lender fees.
Before credits & paid funds$202,569The complete starting cash picture.
Estimated remaining funds due at closing
$202,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,805.19
Your down payment$192,805.19
Closing costs + prepaids$9,763.81
Total buyer cash needed$202,569.00
Remaining funds due$202,569.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$486.00
Prepaid interest, first (31 days)$262.81
Fees + prepaids$9,763.81
Your down payment is the seller’s equity. You take over the $86,195 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $202,569.00 is due at closing. Uses and sources reconcile at $288,763.81 each. Not a Closing Disclosure.