Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$181,719Cash toward the purchase price.
Closing costs + prepaids$9,580Not just lender fees.
Before credits & paid funds$191,299The complete starting cash picture.
Estimated remaining funds due at closing
$191,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,719.20
Your down payment$181,719.20
Closing costs + prepaids$9,579.69
Total buyer cash needed$191,298.89
Remaining funds due$191,298.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.90
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)$348.00
Prepaid interest, first (10 days)$106.79
Fees + prepaids$9,579.69
Your down payment is the seller’s equity. You take over the $108,271 balance, so the rest of the $289,990 price is paid at closing. A second mortgage can cover part of it. $191,298.89 is due at closing. Uses and sources reconcile at $299,569.69 each. Not a Closing Disclosure.