Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$12,416Cash toward the purchase price.
Closing costs + prepaids$8,844Not just lender fees.
Before credits & paid funds$21,260The complete starting cash picture.
Estimated remaining funds due at closing
$21,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,415.57
Your down payment$12,415.57
Closing costs + prepaids$8,844.15
Total buyer cash needed$21,259.73
Remaining funds due$21,259.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,899.99
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)$237.50
Prepaid interest, first (15 days)$481.66
Fees + prepaids$8,844.15
Your down payment is the seller’s equity. You take over the $177,583 balance, so the rest of the $189,999 price is paid at closing. A second mortgage can cover part of it. $21,259.73 is due at closing. Uses and sources reconcile at $198,843.15 each. Not a Closing Disclosure.