Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$211,716Cash toward the purchase price.
Closing costs + prepaids$11,201Not just lender fees.
Before credits & paid funds$222,916The complete starting cash picture.
Estimated remaining funds due at closing
$222,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,715.55
Your down payment$211,715.55
Closing costs + prepaids$11,200.88
Total buyer cash needed$222,916.43
Remaining funds due$222,916.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$386.50
Initial HOA (3 months)$66.00
Prepaid interest, first (30 days)$723.39
Fees + prepaids$11,200.88
Your down payment is the seller’s equity. You take over the $168,283 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $222,916.43 is due at closing. Uses and sources reconcile at $391,199.88 each. Not a Closing Disclosure.