Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$211,540Cash toward the purchase price.
Closing costs + prepaids$11,684Not just lender fees.
Before credits & paid funds$223,224The complete starting cash picture.
Estimated remaining funds due at closing
$223,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,539.67
Your down payment$211,539.67
Closing costs + prepaids$11,684.37
Total buyer cash needed$223,224.04
Remaining funds due$223,224.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.99
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)$934.25
Initial HOA (3 months)$111.75
Prepaid interest, first (30 days)$513.38
Fees + prepaids$11,684.37
Your down payment is the seller’s equity. You take over the $178,459 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $223,224.04 is due at closing. Uses and sources reconcile at $401,683.37 each. Not a Closing Disclosure.