Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$196,142Cash toward the purchase price.
Closing costs + prepaids$10,810Not just lender fees.
Before credits & paid funds$206,951The complete starting cash picture.
Estimated remaining funds due at closing
$206,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,141.83
Your down payment$196,141.83
Closing costs + prepaids$10,809.55
Total buyer cash needed$206,951.37
Remaining funds due$206,951.37
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)$396.00
Initial HOA (3 months)$795.00
Prepaid interest, first (12 days)$94.55
Fees + prepaids$10,809.55
Your down payment is the seller’s equity. You take over the $133,758 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $206,951.37 is due at closing. Uses and sources reconcile at $340,709.55 each. Not a Closing Disclosure.