Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$206,562Cash toward the purchase price.
Closing costs + prepaids$10,637Not just lender fees.
Before credits & paid funds$217,199The complete starting cash picture.
Estimated remaining funds due at closing
$217,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,562.00
Your down payment$206,562.00
Closing costs + prepaids$10,636.88
Total buyer cash needed$217,198.88
Remaining funds due$217,198.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$412.50
Initial HOA (3 months)$525.00
Prepaid interest, first (15 days)$175.38
Fees + prepaids$10,636.88
Your down payment is the seller’s equity. You take over the $123,338 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $217,198.88 is due at closing. Uses and sources reconcile at $340,536.88 each. Not a Closing Disclosure.