Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$206,049Cash toward the purchase price.
Closing costs + prepaids$10,800Not just lender fees.
Before credits & paid funds$216,849The complete starting cash picture.
Estimated remaining funds due at closing
$216,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,048.96
Your down payment$206,048.96
Closing costs + prepaids$10,800.37
Total buyer cash needed$216,849.34
Remaining funds due$216,849.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,279.90
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)$256.00
Initial HOA (3 months)$681.00
Prepaid interest, first (29 days)$358.47
Fees + prepaids$10,800.37
Your down payment is the seller’s equity. You take over the $121,941 balance, so the rest of the $327,990 price is paid at closing. A second mortgage can cover part of it. $216,849.34 is due at closing. Uses and sources reconcile at $338,790.37 each. Not a Closing Disclosure.