Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$200,586Cash toward the purchase price.
Closing costs + prepaids$11,547Not just lender fees.
Before credits & paid funds$212,133The complete starting cash picture.
Estimated remaining funds due at closing
$212,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,585.62
Your down payment$200,585.62
Closing costs + prepaids$11,547.38
Total buyer cash needed$212,133.01
Remaining funds due$212,133.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.99
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)$386.50
Initial HOA (3 months)$228.00
Prepaid interest, first (31 days)$757.89
Fees + prepaids$11,547.38
Your down payment is the seller’s equity. You take over the $194,413 balance, so the rest of the $394,999 price is paid at closing. A second mortgage can cover part of it. $212,133.01 is due at closing. Uses and sources reconcile at $406,546.38 each. Not a Closing Disclosure.