Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$195,540Cash toward the purchase price.
Closing costs + prepaids$12,667Not just lender fees.
Before credits & paid funds$208,207The complete starting cash picture.
Estimated remaining funds due at closing
$208,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,540.38
Your down payment$195,540.38
Closing costs + prepaids$12,666.95
Total buyer cash needed$208,207.33
Remaining funds due$208,207.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Prepaid interest, first (12 days)$311.95
Fees + prepaids$12,666.95
Your down payment is the seller’s equity. You take over the $329,460 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $208,207.33 is due at closing. Uses and sources reconcile at $537,666.95 each. Not a Closing Disclosure.