Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$195,311Cash toward the purchase price.
Closing costs + prepaids$11,260Not just lender fees.
Before credits & paid funds$206,571The complete starting cash picture.
Estimated remaining funds due at closing
$206,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,310.97
Your down payment$195,310.97
Closing costs + prepaids$11,259.93
Total buyer cash needed$206,570.89
Remaining funds due$206,570.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,010.00
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)$1,582.25
Prepaid interest, first (24 days)$442.68
Fees + prepaids$11,259.93
Your down payment is the seller’s equity. You take over the $105,689 balance, so the rest of the $301,000 price is paid at closing. A second mortgage can cover part of it. $206,570.89 is due at closing. Uses and sources reconcile at $312,259.93 each. Not a Closing Disclosure.