Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$208,355Cash toward the purchase price.
Closing costs + prepaids$10,702Not just lender fees.
Before credits & paid funds$219,057The complete starting cash picture.
Estimated remaining funds due at closing
$219,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,355.37
Your down payment$208,355.37
Closing costs + prepaids$10,702.00
Total buyer cash needed$219,057.37
Remaining funds due$219,057.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$606.75
Prepaid interest, first (28 days)$471.25
Fees + prepaids$10,702.00
Your down payment is the seller’s equity. You take over the $131,545 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $219,057.37 is due at closing. Uses and sources reconcile at $350,602.00 each. Not a Closing Disclosure.