Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$197,948Cash toward the purchase price.
Closing costs + prepaids$12,167Not just lender fees.
Before credits & paid funds$210,115The complete starting cash picture.
Estimated remaining funds due at closing
$210,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,947.54
Your down payment$197,947.54
Closing costs + prepaids$12,167.45
Total buyer cash needed$210,114.99
Remaining funds due$210,114.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$1,087.50
Prepaid interest, first (25 days)$504.95
Fees + prepaids$12,167.45
Your down payment is the seller’s equity. You take over the $237,052 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $210,114.99 is due at closing. Uses and sources reconcile at $447,167.45 each. Not a Closing Disclosure.