Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$205,267Cash toward the purchase price.
Closing costs + prepaids$10,796Not just lender fees.
Before credits & paid funds$216,063The complete starting cash picture.
Estimated remaining funds due at closing
$216,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,266.75
Your down payment$205,266.75
Closing costs + prepaids$10,796.26
Total buyer cash needed$216,063.01
Remaining funds due$216,063.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.90
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)$450.50
Prepaid interest, first (31 days)$720.86
Fees + prepaids$10,796.26
Your down payment is the seller’s equity. You take over the $134,723 balance, so the rest of the $339,990 price is paid at closing. A second mortgage can cover part of it. $216,063.01 is due at closing. Uses and sources reconcile at $350,786.26 each. Not a Closing Disclosure.