Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$195,395Cash toward the purchase price.
Closing costs + prepaids$11,639Not just lender fees.
Before credits & paid funds$207,034The complete starting cash picture.
Estimated remaining funds due at closing
$207,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,394.99
Your down payment$195,394.99
Closing costs + prepaids$11,638.70
Total buyer cash needed$207,033.69
Remaining funds due$207,033.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,970.00
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)$612.25
Initial HOA (3 months)$1,464.00
Prepaid interest, first (30 days)$367.45
Fees + prepaids$11,638.70
Your down payment is the seller’s equity. You take over the $101,605 balance, so the rest of the $297,000 price is paid at closing. A second mortgage can cover part of it. $207,033.69 is due at closing. Uses and sources reconcile at $308,638.70 each. Not a Closing Disclosure.