Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$185,626Cash toward the purchase price.
Closing costs + prepaids$9,239Not just lender fees.
Before credits & paid funds$194,864The complete starting cash picture.
Estimated remaining funds due at closing
$194,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,625.66
Your down payment$185,625.66
Closing costs + prepaids$9,238.58
Total buyer cash needed$194,864.24
Remaining funds due$194,864.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$323.75
Prepaid interest, first (13 days)$99.83
Fees + prepaids$9,238.58
Your down payment is the seller’s equity. You take over the $73,374 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $194,864.24 is due at closing. Uses and sources reconcile at $268,238.58 each. Not a Closing Disclosure.