Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$195,028Cash toward the purchase price.
Closing costs + prepaids$10,207Not just lender fees.
Before credits & paid funds$205,235The complete starting cash picture.
Estimated remaining funds due at closing
$205,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,028.48
Your down payment$195,028.48
Closing costs + prepaids$10,206.72
Total buyer cash needed$205,235.20
Remaining funds due$205,235.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$132.50
Prepaid interest, first (27 days)$400.22
Fees + prepaids$10,206.72
Your down payment is the seller’s equity. You take over the $149,872 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $205,235.20 is due at closing. Uses and sources reconcile at $355,106.72 each. Not a Closing Disclosure.