Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$195,059Cash toward the purchase price.
Closing costs + prepaids$9,526Not just lender fees.
Before credits & paid funds$204,586The complete starting cash picture.
Estimated remaining funds due at closing
$204,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,059.46
Your down payment$195,059.46
Closing costs + prepaids$9,526.34
Total buyer cash needed$204,585.80
Remaining funds due$204,585.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$348.75
Prepaid interest, first (14 days)$162.59
Fees + prepaids$9,526.34
Your down payment is the seller’s equity. You take over the $83,941 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $204,585.80 is due at closing. Uses and sources reconcile at $288,526.34 each. Not a Closing Disclosure.