Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$189,233Cash toward the purchase price.
Closing costs + prepaids$13,917Not just lender fees.
Before credits & paid funds$203,150The complete starting cash picture.
Estimated remaining funds due at closing
$203,150No 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$13,917.45
Total buyer cash needed$203,150.13
Remaining funds due$203,150.13
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 (27 days)$1,936.20
Fees + prepaids$13,917.45
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. $203,150.13 is due at closing. Uses and sources reconcile at $548,917.45 each. Not a Closing Disclosure.