Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$203,145Cash toward the purchase price.
Closing costs + prepaids$10,638Not just lender fees.
Before credits & paid funds$213,783The complete starting cash picture.
Estimated remaining funds due at closing
$213,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,145.44
Your down payment$203,145.44
Closing costs + prepaids$10,637.86
Total buyer cash needed$213,783.30
Remaining funds due$213,783.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$822.50
Prepaid interest, first (31 days)$300.36
Fees + prepaids$10,637.86
Your down payment is the seller’s equity. You take over the $125,855 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $213,783.30 is due at closing. Uses and sources reconcile at $339,637.86 each. Not a Closing Disclosure.