Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$200,375Cash toward the purchase price.
Closing costs + prepaids$11,402Not just lender fees.
Before credits & paid funds$211,776The complete starting cash picture.
Estimated remaining funds due at closing
$211,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,374.91
Your down payment$200,374.91
Closing costs + prepaids$11,401.55
Total buyer cash needed$211,776.46
Remaining funds due$211,776.46
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)$555.50
Initial HOA (3 months)$234.00
Prepaid interest, first (30 days)$487.05
Fees + prepaids$11,401.55
Your down payment is the seller’s equity. You take over the $189,625 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $211,776.46 is due at closing. Uses and sources reconcile at $401,401.55 each. Not a Closing Disclosure.