Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$195,669Cash toward the purchase price.
Closing costs + prepaids$12,983Not just lender fees.
Before credits & paid funds$208,652The complete starting cash picture.
Estimated remaining funds due at closing
$208,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,668.71
Your down payment$195,668.71
Closing costs + prepaids$12,983.07
Total buyer cash needed$208,651.78
Remaining funds due$208,651.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,662.00
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)$2,324.75
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$471.32
Fees + prepaids$12,983.07
Your down payment is the seller’s equity. You take over the $170,531 balance, so the rest of the $366,200 price is paid at closing. A second mortgage can cover part of it. $208,651.78 is due at closing. Uses and sources reconcile at $379,183.07 each. Not a Closing Disclosure.