Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$196,975Cash toward the purchase price.
Closing costs + prepaids$11,172Not just lender fees.
Before credits & paid funds$208,147The complete starting cash picture.
Estimated remaining funds due at closing
$208,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,975.08
Your down payment$196,975.08
Closing costs + prepaids$11,171.94
Total buyer cash needed$208,147.02
Remaining funds due$208,147.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$751.50
Initial HOA (3 months)$86.25
Prepaid interest, first (25 days)$459.19
Fees + prepaids$11,171.94
Your down payment is the seller’s equity. You take over the $168,025 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $208,147.02 is due at closing. Uses and sources reconcile at $376,171.94 each. Not a Closing Disclosure.