Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$196,648Cash toward the purchase price.
Closing costs + prepaids$12,419Not just lender fees.
Before credits & paid funds$209,068The complete starting cash picture.
Estimated remaining funds due at closing
$209,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,648.43
Your down payment$196,648.43
Closing costs + prepaids$12,419.08
Total buyer cash needed$209,067.51
Remaining funds due$209,067.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,174.92
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$732.50
Prepaid interest, first (1 days)$36.66
Fees + prepaids$12,419.08
Your down payment is the seller’s equity. You take over the $320,844 balance, so the rest of the $517,492 price is paid at closing. A second mortgage can cover part of it. $209,067.51 is due at closing. Uses and sources reconcile at $529,911.08 each. Not a Closing Disclosure.