Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$188,475Cash toward the purchase price.
Closing costs + prepaids$8,962Not just lender fees.
Before credits & paid funds$197,437The complete starting cash picture.
Estimated remaining funds due at closing
$197,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,474.63
Your down payment$188,474.63
Closing costs + prepaids$8,962.46
Total buyer cash needed$197,437.09
Remaining funds due$197,437.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.99
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)$537.50
Prepaid interest, first (18 days)$49.97
Fees + prepaids$8,962.46
Your down payment is the seller’s equity. You take over the $26,524 balance, so the rest of the $214,999 price is paid at closing. A second mortgage can cover part of it. $197,437.09 is due at closing. Uses and sources reconcile at $223,961.46 each. Not a Closing Disclosure.