Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$200,084Cash toward the purchase price.
Closing costs + prepaids$10,334Not just lender fees.
Before credits & paid funds$210,418The complete starting cash picture.
Estimated remaining funds due at closing
$210,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,084.09
Your down payment$200,084.09
Closing costs + prepaids$10,333.99
Total buyer cash needed$210,418.09
Remaining funds due$210,418.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,445.00
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)$430.75
Prepaid interest, first (15 days)$233.24
Fees + prepaids$10,333.99
Your down payment is the seller’s equity. You take over the $144,416 balance, so the rest of the $344,500 price is paid at closing. A second mortgage can cover part of it. $210,418.09 is due at closing. Uses and sources reconcile at $354,833.99 each. Not a Closing Disclosure.