Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$203,445Cash toward the purchase price.
Closing costs + prepaids$10,323Not just lender fees.
Before credits & paid funds$213,768The complete starting cash picture.
Estimated remaining funds due at closing
$213,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,444.53
Your down payment$203,444.53
Closing costs + prepaids$10,323.32
Total buyer cash needed$213,767.85
Remaining funds due$213,767.85
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)$431.25
Prepaid interest, first (17 days)$218.07
Fees + prepaids$10,323.32
Your down payment is the seller’s equity. You take over the $141,455 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $213,767.85 is due at closing. Uses and sources reconcile at $355,223.32 each. Not a Closing Disclosure.