Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$183,382Cash toward the purchase price.
Closing costs + prepaids$9,131Not just lender fees.
Before credits & paid funds$192,514The complete starting cash picture.
Estimated remaining funds due at closing
$192,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,382.42
Your down payment$183,382.42
Closing costs + prepaids$9,131.36
Total buyer cash needed$192,513.78
Remaining funds due$192,513.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$306.25
Prepaid interest, first (18 days)$150.11
Fees + prepaids$9,131.36
Your down payment is the seller’s equity. You take over the $61,618 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $192,513.78 is due at closing. Uses and sources reconcile at $254,131.36 each. Not a Closing Disclosure.