Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$197,482Cash toward the purchase price.
Closing costs + prepaids$10,588Not just lender fees.
Before credits & paid funds$208,070The complete starting cash picture.
Estimated remaining funds due at closing
$208,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,482.24
Your down payment$197,482.24
Closing costs + prepaids$10,587.53
Total buyer cash needed$208,069.78
Remaining funds due$208,069.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$624.75
Prepaid interest, first (23 days)$347.78
Fees + prepaids$10,587.53
Your down payment is the seller’s equity. You take over the $141,518 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $208,069.78 is due at closing. Uses and sources reconcile at $349,587.53 each. Not a Closing Disclosure.