Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$192,353Cash toward the purchase price.
Closing costs + prepaids$10,093Not just lender fees.
Before credits & paid funds$202,446The complete starting cash picture.
Estimated remaining funds due at closing
$202,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,353.32
Your down payment$192,353.32
Closing costs + prepaids$10,093.08
Total buyer cash needed$202,446.40
Remaining funds due$202,446.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$339.75
Initial HOA (3 months)$147.99
Prepaid interest, first (24 days)$281.34
Fees + prepaids$10,093.08
Your down payment is the seller’s equity. You take over the $117,547 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $202,446.40 is due at closing. Uses and sources reconcile at $319,993.08 each. Not a Closing Disclosure.