Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$208,608Cash toward the purchase price.
Closing costs + prepaids$10,374Not just lender fees.
Before credits & paid funds$218,982The complete starting cash picture.
Estimated remaining funds due at closing
$218,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,608.39
Your down payment$208,608.39
Closing costs + prepaids$10,373.89
Total buyer cash needed$218,982.29
Remaining funds due$218,982.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$529.00
Prepaid interest, first (23 days)$220.89
Fees + prepaids$10,373.89
Your down payment is the seller’s equity. You take over the $131,292 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $218,982.29 is due at closing. Uses and sources reconcile at $350,273.89 each. Not a Closing Disclosure.