Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$190,127Cash toward the purchase price.
Closing costs + prepaids$10,166Not just lender fees.
Before credits & paid funds$200,294The complete starting cash picture.
Estimated remaining funds due at closing
$200,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,127.48
Your down payment$190,127.48
Closing costs + prepaids$10,166.40
Total buyer cash needed$200,293.87
Remaining funds due$200,293.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$408.00
Prepaid interest, first (9 days)$133.41
Fees + prepaids$10,166.40
Your down payment is the seller’s equity. You take over the $149,872 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $200,293.87 is due at closing. Uses and sources reconcile at $350,165.40 each. Not a Closing Disclosure.