Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$196,881Cash toward the purchase price.
Closing costs + prepaids$11,497Not just lender fees.
Before credits & paid funds$208,378The complete starting cash picture.
Estimated remaining funds due at closing
$208,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,881.36
Your down payment$196,881.36
Closing costs + prepaids$11,496.55
Total buyer cash needed$208,377.90
Remaining funds due$208,377.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,259.00
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)$1,375.25
Initial HOA (3 months)$246.00
Prepaid interest, first (30 days)$391.30
Fees + prepaids$11,496.55
Your down payment is the seller’s equity. You take over the $129,019 balance, so the rest of the $325,900 price is paid at closing. A second mortgage can cover part of it. $208,377.90 is due at closing. Uses and sources reconcile at $337,396.55 each. Not a Closing Disclosure.