Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$176,818Cash toward the purchase price.
Closing costs + prepaids$13,915Not just lender fees.
Before credits & paid funds$190,733The complete starting cash picture.
Estimated remaining funds due at closing
$190,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,818.11
Your down payment$176,818.11
Closing costs + prepaids$13,914.62
Total buyer cash needed$190,732.73
Remaining funds due$190,732.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$427.75
Prepaid interest, first (19 days)$1,512.87
Fees + prepaids$13,914.62
Your down payment is the seller’s equity. You take over the $373,082 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $190,732.73 is due at closing. Uses and sources reconcile at $563,814.62 each. Not a Closing Disclosure.