Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$199,503Cash toward the purchase price.
Closing costs + prepaids$10,332Not just lender fees.
Before credits & paid funds$209,834The complete starting cash picture.
Estimated remaining funds due at closing
$209,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,502.61
Your down payment$199,502.61
Closing costs + prepaids$10,331.52
Total buyer cash needed$209,834.13
Remaining funds due$209,834.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$420.00
Prepaid interest, first (12 days)$186.53
Fees + prepaids$10,331.52
Your down payment is the seller’s equity. You take over the $150,496 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $209,834.13 is due at closing. Uses and sources reconcile at $360,330.52 each. Not a Closing Disclosure.