Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$198,046Cash toward the purchase price.
Closing costs + prepaids$11,574Not just lender fees.
Before credits & paid funds$209,620The complete starting cash picture.
Estimated remaining funds due at closing
$209,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,046.31
Your down payment$198,046.31
Closing costs + prepaids$11,573.86
Total buyer cash needed$209,620.18
Remaining funds due$209,620.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.99
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)$1,332.50
Prepaid interest, first (24 days)$416.37
Fees + prepaids$11,573.86
Your down payment is the seller’s equity. You take over the $161,953 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $209,620.18 is due at closing. Uses and sources reconcile at $371,572.86 each. Not a Closing Disclosure.