Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$190,170Cash toward the purchase price.
Closing costs + prepaids$9,765Not just lender fees.
Before credits & paid funds$199,936The complete starting cash picture.
Estimated remaining funds due at closing
$199,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,170.34
Your down payment$190,170.34
Closing costs + prepaids$9,765.25
Total buyer cash needed$199,935.59
Remaining funds due$199,935.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$375.00
Prepaid interest, first (14 days)$166.25
Fees + prepaids$9,765.25
Your down payment is the seller’s equity. You take over the $109,730 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $199,935.59 is due at closing. Uses and sources reconcile at $309,665.25 each. Not a Closing Disclosure.