Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$189,233Cash toward the purchase price.
Closing costs + prepaids$13,344Not just lender fees.
Before credits & paid funds$202,576The complete starting cash picture.
Estimated remaining funds due at closing
$202,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,232.68
Your down payment$189,232.68
Closing costs + prepaids$13,343.76
Total buyer cash needed$202,576.44
Remaining funds due$202,576.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$156.25
Prepaid interest, first (19 days)$1,362.51
Fees + prepaids$13,343.76
Your down payment is the seller’s equity. You take over the $345,767 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $202,576.44 is due at closing. Uses and sources reconcile at $548,343.76 each. Not a Closing Disclosure.