Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$197,944Cash toward the purchase price.
Closing costs + prepaids$11,258Not just lender fees.
Before credits & paid funds$209,202The complete starting cash picture.
Estimated remaining funds due at closing
$209,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,944.30
Your down payment$197,944.30
Closing costs + prepaids$11,257.63
Total buyer cash needed$209,201.94
Remaining funds due$209,201.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.97
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)$1,105.25
Prepaid interest, first (30 days)$427.41
Fees + prepaids$11,257.63
Your down payment is the seller’s equity. You take over the $152,053 balance, so the rest of the $349,997 price is paid at closing. A second mortgage can cover part of it. $209,201.94 is due at closing. Uses and sources reconcile at $361,254.63 each. Not a Closing Disclosure.