Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$188,697Cash toward the purchase price.
Closing costs + prepaids$10,077Not just lender fees.
Before credits & paid funds$198,774The complete starting cash picture.
Estimated remaining funds due at closing
$198,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,696.89
Your down payment$188,696.89
Closing costs + prepaids$10,077.16
Total buyer cash needed$198,774.04
Remaining funds due$198,774.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,289.00
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)$297.50
Prepaid interest, first (19 days)$265.66
Fees + prepaids$10,077.16
Your down payment is the seller’s equity. You take over the $140,203 balance, so the rest of the $328,900 price is paid at closing. A second mortgage can cover part of it. $198,774.04 is due at closing. Uses and sources reconcile at $338,977.16 each. Not a Closing Disclosure.