Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$197,235Cash toward the purchase price.
Closing costs + prepaids$13,114Not just lender fees.
Before credits & paid funds$210,349The complete starting cash picture.
Estimated remaining funds due at closing
$210,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,235.00
Your down payment$197,235.00
Closing costs + prepaids$13,114.19
Total buyer cash needed$210,349.19
Remaining funds due$210,349.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,174.92
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$732.50
Prepaid interest, first (20 days)$731.77
Fees + prepaids$13,114.19
Your down payment is the seller’s equity. You take over the $320,257 balance, so the rest of the $517,492 price is paid at closing. A second mortgage can cover part of it. $210,349.19 is due at closing. Uses and sources reconcile at $530,606.19 each. Not a Closing Disclosure.