Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$205,918Cash toward the purchase price.
Closing costs + prepaids$10,308Not just lender fees.
Before credits & paid funds$216,226The complete starting cash picture.
Estimated remaining funds due at closing
$216,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,918.03
Your down payment$205,918.03
Closing costs + prepaids$10,308.08
Total buyer cash needed$216,226.11
Remaining funds due$216,226.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$461.25
Prepaid interest, first (27 days)$322.83
Fees + prepaids$10,308.08
Your down payment is the seller’s equity. You take over the $123,982 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $216,226.11 is due at closing. Uses and sources reconcile at $340,208.08 each. Not a Closing Disclosure.