Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$198,906Cash toward the purchase price.
Closing costs + prepaids$10,342Not just lender fees.
Before credits & paid funds$209,247The complete starting cash picture.
Estimated remaining funds due at closing
$209,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,905.76
Your down payment$198,905.76
Closing costs + prepaids$10,341.57
Total buyer cash needed$209,247.34
Remaining funds due$209,247.34
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)$420.00
Prepaid interest, first (12 days)$197.57
Fees + prepaids$10,341.57
Your down payment is the seller’s equity. You take over the $150,994 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $209,247.34 is due at closing. Uses and sources reconcile at $360,241.57 each. Not a Closing Disclosure.