Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$190,880Cash toward the purchase price.
Closing costs + prepaids$11,863Not just lender fees.
Before credits & paid funds$202,743The complete starting cash picture.
Estimated remaining funds due at closing
$202,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,879.73
Your down payment$190,879.73
Closing costs + prepaids$11,863.49
Total buyer cash needed$202,743.22
Remaining funds due$202,743.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$220.50
Prepaid interest, first (20 days)$468.00
Fees + prepaids$11,863.49
Your down payment is the seller’s equity. You take over the $279,119 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $202,743.22 is due at closing. Uses and sources reconcile at $481,862.49 each. Not a Closing Disclosure.