Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$203,807Cash toward the purchase price.
Closing costs + prepaids$11,242Not just lender fees.
Before credits & paid funds$215,049The complete starting cash picture.
Estimated remaining funds due at closing
$215,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,807.19
Your down payment$203,807.19
Closing costs + prepaids$11,241.64
Total buyer cash needed$215,048.83
Remaining funds due$215,048.83
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)$518.25
Initial HOA (3 months)$105.00
Prepaid interest, first (31 days)$493.39
Fees + prepaids$11,241.64
Your down payment is the seller’s equity. You take over the $186,193 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $215,048.83 is due at closing. Uses and sources reconcile at $401,241.64 each. Not a Closing Disclosure.