Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$198,999Cash toward the purchase price.
Closing costs + prepaids$10,453Not just lender fees.
Before credits & paid funds$209,452The complete starting cash picture.
Estimated remaining funds due at closing
$209,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,999.01
Your down payment$198,999.01
Closing costs + prepaids$10,453.44
Total buyer cash needed$209,452.45
Remaining funds due$209,452.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$365.25
Prepaid interest, first (23 days)$364.19
Fees + prepaids$10,453.44
Your down payment is the seller’s equity. You take over the $150,901 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $209,452.45 is due at closing. Uses and sources reconcile at $360,353.44 each. Not a Closing Disclosure.