Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$203,021Cash toward the purchase price.
Closing costs + prepaids$10,516Not just lender fees.
Before credits & paid funds$213,536The complete starting cash picture.
Estimated remaining funds due at closing
$213,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,020.73
Your down payment$203,020.73
Closing costs + prepaids$10,515.72
Total buyer cash needed$213,536.45
Remaining funds due$213,536.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$348.00
Prepaid interest, first (2 days)$42.72
Fees + prepaids$10,515.72
Your down payment is the seller’s equity. You take over the $186,979 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $213,536.45 is due at closing. Uses and sources reconcile at $400,515.72 each. Not a Closing Disclosure.