Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$195,237Cash toward the purchase price.
Closing costs + prepaids$10,153Not just lender fees.
Before credits & paid funds$205,390The complete starting cash picture.
Estimated remaining funds due at closing
$205,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,236.83
Your down payment$195,236.83
Closing costs + prepaids$10,152.77
Total buyer cash needed$205,389.60
Remaining funds due$205,389.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$408.00
Prepaid interest, first (10 days)$119.78
Fees + prepaids$10,152.77
Your down payment is the seller’s equity. You take over the $144,762 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $205,389.60 is due at closing. Uses and sources reconcile at $350,151.77 each. Not a Closing Disclosure.