Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$177,464Cash toward the purchase price.
Closing costs + prepaids$11,080Not just lender fees.
Before credits & paid funds$188,544The complete starting cash picture.
Estimated remaining funds due at closing
$188,544No 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$11,080.32
Total buyer cash needed$188,544.21
Remaining funds due$188,544.21
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)$356.50
Prepaid interest, first (20 days)$398.82
Fees + prepaids$11,080.32
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. $188,544.21 is due at closing. Uses and sources reconcile at $421,080.32 each. Not a Closing Disclosure.