Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$195,116Cash toward the purchase price.
Closing costs + prepaids$12,483Not just lender fees.
Before credits & paid funds$207,600The complete starting cash picture.
Estimated remaining funds due at closing
$207,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,116.45
Your down payment$195,116.45
Closing costs + prepaids$12,483.43
Total buyer cash needed$207,599.87
Remaining funds due$207,599.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$2,035.00
Initial HOA (3 months)$275.01
Prepaid interest, first (2 days)$49.42
Fees + prepaids$12,483.43
Your down payment is the seller’s equity. You take over the $194,784 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $207,599.87 is due at closing. Uses and sources reconcile at $402,383.43 each. Not a Closing Disclosure.