Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$189,392Cash toward the purchase price.
Closing costs + prepaids$11,292Not just lender fees.
Before credits & paid funds$200,683The complete starting cash picture.
Estimated remaining funds due at closing
$200,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,391.51
Your down payment$189,391.51
Closing costs + prepaids$11,291.64
Total buyer cash needed$200,683.15
Remaining funds due$200,683.15
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)$1,117.25
Initial HOA (3 months)$24.99
Prepaid interest, first (1 days)$24.40
Fees + prepaids$11,291.64
Your down payment is the seller’s equity. You take over the $200,608 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $200,683.15 is due at closing. Uses and sources reconcile at $401,291.64 each. Not a Closing Disclosure.