Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$197,938Cash toward the purchase price.
Closing costs + prepaids$10,857Not just lender fees.
Before credits & paid funds$208,794The complete starting cash picture.
Estimated remaining funds due at closing
$208,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,937.57
Your down payment$197,937.57
Closing costs + prepaids$10,856.70
Total buyer cash needed$208,794.27
Remaining funds due$208,794.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$796.25
Initial HOA (3 months)$210.00
Prepaid interest, first (27 days)$335.45
Fees + prepaids$10,856.70
Your down payment is the seller’s equity. You take over the $131,062 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $208,794.27 is due at closing. Uses and sources reconcile at $339,856.70 each. Not a Closing Disclosure.