Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$188,697Cash toward the purchase price.
Closing costs + prepaids$10,245Not just lender fees.
Before credits & paid funds$198,942The complete starting cash picture.
Estimated remaining funds due at closing
$198,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,696.89
Your down payment$188,696.89
Closing costs + prepaids$10,244.94
Total buyer cash needed$198,941.83
Remaining funds due$198,941.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,289.00
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)$297.50
Prepaid interest, first (31 days)$433.44
Fees + prepaids$10,244.94
Your down payment is the seller’s equity. You take over the $140,203 balance, so the rest of the $328,900 price is paid at closing. A second mortgage can cover part of it. $198,941.83 is due at closing. Uses and sources reconcile at $339,144.94 each. Not a Closing Disclosure.