Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$197,926Cash toward the purchase price.
Closing costs + prepaids$10,640Not just lender fees.
Before credits & paid funds$208,565The complete starting cash picture.
Estimated remaining funds due at closing
$208,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,925.91
Your down payment$197,925.91
Closing costs + prepaids$10,639.58
Total buyer cash needed$208,565.49
Remaining funds due$208,565.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.90
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)$335.75
Initial HOA (3 months)$225.00
Prepaid interest, first (19 days)$253.93
Fees + prepaids$10,639.58
Your down payment is the seller’s equity. You take over the $162,064 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $208,565.49 is due at closing. Uses and sources reconcile at $370,629.58 each. Not a Closing Disclosure.