Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$185,013Cash toward the purchase price.
Closing costs + prepaids$11,932Not just lender fees.
Before credits & paid funds$196,945The complete starting cash picture.
Estimated remaining funds due at closing
$196,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,013.25
Your down payment$185,013.25
Closing costs + prepaids$11,931.70
Total buyer cash needed$196,944.96
Remaining funds due$196,944.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.99
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)$550.00
Prepaid interest, first (16 days)$756.71
Fees + prepaids$11,931.70
Your down payment is the seller’s equity. You take over the $254,986 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $196,944.96 is due at closing. Uses and sources reconcile at $451,930.70 each. Not a Closing Disclosure.