Follow the dollars · Assumption only
A complete cash picture for Dec 29, 2026
Your down payment$196,890Cash toward the purchase price.
Closing costs + prepaids$10,530Not just lender fees.
Before credits & paid funds$207,420The complete starting cash picture.
Estimated remaining funds due at closing
$207,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,890.12
Your down payment$196,890.12
Closing costs + prepaids$10,529.92
Total buyer cash needed$207,420.04
Remaining funds due$207,420.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,397.00
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)$866.25
Prepaid interest, first (3 days)$41.67
Fees + prepaids$10,529.92
Your down payment is the seller’s equity. You take over the $142,810 balance, so the rest of the $339,700 price is paid at closing. A second mortgage can cover part of it. $207,420.04 is due at closing. Uses and sources reconcile at $350,229.92 each. Not a Closing Disclosure.