Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$190,338Cash toward the purchase price.
Closing costs + prepaids$10,967Not just lender fees.
Before credits & paid funds$201,305The complete starting cash picture.
Estimated remaining funds due at closing
$201,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,337.98
Your down payment$190,337.98
Closing costs + prepaids$10,966.84
Total buyer cash needed$201,304.82
Remaining funds due$201,304.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,969.00
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)$1,414.25
Initial HOA (3 months)$47.49
Prepaid interest, first (24 days)$311.10
Fees + prepaids$10,966.84
Your down payment is the seller’s equity. You take over the $106,562 balance, so the rest of the $296,900 price is paid at closing. A second mortgage can cover part of it. $201,304.82 is due at closing. Uses and sources reconcile at $307,866.84 each. Not a Closing Disclosure.