Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$197,434Cash toward the purchase price.
Closing costs + prepaids$8,702Not just lender fees.
Before credits & paid funds$206,136The complete starting cash picture.
Estimated remaining funds due at closing
$206,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,434.25
Your down payment$197,434.25
Closing costs + prepaids$8,702.19
Total buyer cash needed$206,136.44
Remaining funds due$206,136.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,980.00
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)$495.00
Prepaid interest, first (25 days)$2.19
Fees + prepaids$8,702.19
Your down payment is the seller’s equity. You take over the $566 balance, so the rest of the $198,000 price is paid at closing. A second mortgage can cover part of it. $206,136.44 is due at closing. Uses and sources reconcile at $206,702.19 each. Not a Closing Disclosure.