Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$198,403Cash toward the purchase price.
Closing costs + prepaids$10,267Not just lender fees.
Before credits & paid funds$208,671The complete starting cash picture.
Estimated remaining funds due at closing
$208,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,403.49
Your down payment$198,403.49
Closing costs + prepaids$10,267.16
Total buyer cash needed$208,670.65
Remaining funds due$208,670.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$376.75
Initial HOA (3 months)$150.00
Prepaid interest, first (18 days)$225.41
Fees + prepaids$10,267.16
Your down payment is the seller’s equity. You take over the $130,597 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $208,670.65 is due at closing. Uses and sources reconcile at $339,267.16 each. Not a Closing Disclosure.