Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$187,027Cash toward the purchase price.
Closing costs + prepaids$10,623Not just lender fees.
Before credits & paid funds$197,650The complete starting cash picture.
Estimated remaining funds due at closing
$197,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,027.00
Your down payment$187,027.00
Closing costs + prepaids$10,622.53
Total buyer cash needed$197,649.53
Remaining funds due$197,649.53
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 (31 days)$537.53
Fees + prepaids$10,622.53
Your down payment is the seller’s equity. You take over the $147,873 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $197,649.53 is due at closing. Uses and sources reconcile at $345,522.53 each. Not a Closing Disclosure.