Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$187,248Cash toward the purchase price.
Closing costs + prepaids$11,294Not just lender fees.
Before credits & paid funds$198,542The complete starting cash picture.
Estimated remaining funds due at closing
$198,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,247.82
Your down payment$187,247.82
Closing costs + prepaids$11,294.00
Total buyer cash needed$198,541.82
Remaining funds due$198,541.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$523.75
Prepaid interest, first (15 days)$355.25
Fees + prepaids$11,294.00
Your down payment is the seller’s equity. You take over the $231,752 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $198,541.82 is due at closing. Uses and sources reconcile at $430,294.00 each. Not a Closing Disclosure.