Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$195,245Cash toward the purchase price.
Closing costs + prepaids$11,022Not just lender fees.
Before credits & paid funds$206,266The complete starting cash picture.
Estimated remaining funds due at closing
$206,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,244.61
Your down payment$195,244.61
Closing costs + prepaids$11,021.68
Total buyer cash needed$206,266.29
Remaining funds due$206,266.29
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)$982.50
Prepaid interest, first (27 days)$415.18
Fees + prepaids$11,021.68
Your down payment is the seller’s equity. You take over the $144,655 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $206,266.29 is due at closing. Uses and sources reconcile at $350,921.68 each. Not a Closing Disclosure.