Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$198,365Cash toward the purchase price.
Closing costs + prepaids$10,952Not just lender fees.
Before credits & paid funds$209,317The complete starting cash picture.
Estimated remaining funds due at closing
$209,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,365.16
Your down payment$198,365.16
Closing costs + prepaids$10,951.69
Total buyer cash needed$209,316.85
Remaining funds due$209,316.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$1,243.00
Prepaid interest, first (25 days)$284.69
Fees + prepaids$10,951.69
Your down payment is the seller’s equity. You take over the $121,535 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $209,316.85 is due at closing. Uses and sources reconcile at $330,851.69 each. Not a Closing Disclosure.