Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$182,696Cash toward the purchase price.
Closing costs + prepaids$9,787Not just lender fees.
Before credits & paid funds$192,483The complete starting cash picture.
Estimated remaining funds due at closing
$192,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,696.00
Your down payment$182,696.00
Closing costs + prepaids$9,787.16
Total buyer cash needed$192,483.16
Remaining funds due$192,483.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$375.00
Prepaid interest, first (16 days)$187.17
Fees + prepaids$9,787.16
Your down payment is the seller’s equity. You take over the $117,303 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $192,483.16 is due at closing. Uses and sources reconcile at $309,786.16 each. Not a Closing Disclosure.