Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$197,493Cash toward the purchase price.
Closing costs + prepaids$10,399Not just lender fees.
Before credits & paid funds$207,892The complete starting cash picture.
Estimated remaining funds due at closing
$207,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,493.36
Your down payment$197,493.36
Closing costs + prepaids$10,399.05
Total buyer cash needed$207,892.41
Remaining funds due$207,892.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.90
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)$335.75
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$13.40
Fees + prepaids$10,399.05
Your down payment is the seller’s equity. You take over the $162,497 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $207,892.41 is due at closing. Uses and sources reconcile at $370,389.05 each. Not a Closing Disclosure.