Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$189,928Cash toward the purchase price.
Closing costs + prepaids$10,502Not just lender fees.
Before credits & paid funds$200,430The complete starting cash picture.
Estimated remaining funds due at closing
$200,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,928.32
Your down payment$189,928.32
Closing costs + prepaids$10,501.61
Total buyer cash needed$200,429.92
Remaining funds due$200,429.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$486.50
Prepaid interest, first (26 days)$341.11
Fees + prepaids$10,501.61
Your down payment is the seller’s equity. You take over the $154,972 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $200,429.92 is due at closing. Uses and sources reconcile at $355,401.61 each. Not a Closing Disclosure.