Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$177,464Cash toward the purchase price.
Closing costs + prepaids$11,016Not just lender fees.
Before credits & paid funds$188,480The complete starting cash picture.
Estimated remaining funds due at closing
$188,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,463.90
Your down payment$177,463.90
Closing costs + prepaids$11,016.41
Total buyer cash needed$188,480.31
Remaining funds due$188,480.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$492.00
Prepaid interest, first (10 days)$199.41
Fees + prepaids$11,016.41
Your down payment is the seller’s equity. You take over the $232,536 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $188,480.31 is due at closing. Uses and sources reconcile at $421,016.41 each. Not a Closing Disclosure.