Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$194,903Cash toward the purchase price.
Closing costs + prepaids$9,840Not just lender fees.
Before credits & paid funds$204,743The complete starting cash picture.
Estimated remaining funds due at closing
$204,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,902.98
Your down payment$194,902.98
Closing costs + prepaids$9,840.50
Total buyer cash needed$204,743.48
Remaining funds due$204,743.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$203.50
Prepaid interest, first (1 days)$12.01
Fees + prepaids$9,840.50
Your down payment is the seller’s equity. You take over the $145,096 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $204,743.48 is due at closing. Uses and sources reconcile at $349,839.50 each. Not a Closing Disclosure.