Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$225,822Cash toward the purchase price.
Closing costs + prepaids$10,809Not just lender fees.
Before credits & paid funds$236,630The complete starting cash picture.
Estimated remaining funds due at closing
$236,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,821.59
Your down payment$225,821.59
Closing costs + prepaids$10,808.67
Total buyer cash needed$236,630.25
Remaining funds due$236,630.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$207.00
Prepaid interest, first (27 days)$496.67
Fees + prepaids$10,808.67
Your down payment is the seller’s equity. You take over the $162,178 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $236,630.25 is due at closing. Uses and sources reconcile at $398,808.67 each. Not a Closing Disclosure.