Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$203,261Cash toward the purchase price.
Closing costs + prepaids$10,871Not just lender fees.
Before credits & paid funds$214,132The complete starting cash picture.
Estimated remaining funds due at closing
$214,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,260.98
Your down payment$203,260.98
Closing costs + prepaids$10,871.01
Total buyer cash needed$214,131.98
Remaining funds due$214,131.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,385.00
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)$423.25
Initial HOA (3 months)$702.00
Prepaid interest, first (16 days)$135.76
Fees + prepaids$10,871.01
Your down payment is the seller’s equity. You take over the $135,239 balance, so the rest of the $338,500 price is paid at closing. A second mortgage can cover part of it. $214,131.98 is due at closing. Uses and sources reconcile at $349,371.01 each. Not a Closing Disclosure.