Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$186,702Cash toward the purchase price.
Closing costs + prepaids$10,102Not just lender fees.
Before credits & paid funds$196,804The complete starting cash picture.
Estimated remaining funds due at closing
$196,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,701.60
Your down payment$186,701.60
Closing costs + prepaids$10,102.38
Total buyer cash needed$196,803.97
Remaining funds due$196,803.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$310.00
Initial HOA (3 months)$201.00
Prepaid interest, first (1 days)$17.38
Fees + prepaids$10,102.38
Your down payment is the seller’s equity. You take over the $148,198 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $196,803.97 is due at closing. Uses and sources reconcile at $345,002.38 each. Not a Closing Disclosure.