Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$188,732Cash toward the purchase price.
Closing costs + prepaids$10,355Not just lender fees.
Before credits & paid funds$199,086The complete starting cash picture.
Estimated remaining funds due at closing
$199,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,731.94
Your down payment$188,731.94
Closing costs + prepaids$10,354.53
Total buyer cash needed$199,086.47
Remaining funds due$199,086.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,895.00
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)$362.00
Initial HOA (3 months)$675.00
Prepaid interest, first (15 days)$197.53
Fees + prepaids$10,354.53
Your down payment is the seller’s equity. You take over the $100,768 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $199,086.47 is due at closing. Uses and sources reconcile at $299,854.53 each. Not a Closing Disclosure.