Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$193,804Cash toward the purchase price.
Closing costs + prepaids$12,586Not just lender fees.
Before credits & paid funds$206,390The complete starting cash picture.
Estimated remaining funds due at closing
$206,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,803.88
Your down payment$193,803.88
Closing costs + prepaids$12,585.70
Total buyer cash needed$206,389.58
Remaining funds due$206,389.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.50
Prepaid interest, first (16 days)$824.20
Fees + prepaids$12,585.70
Your down payment is the seller’s equity. You take over the $276,096 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $206,389.58 is due at closing. Uses and sources reconcile at $482,485.70 each. Not a Closing Disclosure.