Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$212,276Cash toward the purchase price.
Closing costs + prepaids$13,033Not just lender fees.
Before credits & paid funds$225,309The complete starting cash picture.
Estimated remaining funds due at closing
$225,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,276.40
Your down payment$212,276.40
Closing costs + prepaids$13,032.83
Total buyer cash needed$225,309.23
Remaining funds due$225,309.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$987.50
Initial HOA (3 months)$1,515.00
Prepaid interest, first (26 days)$355.33
Fees + prepaids$13,032.83
Your down payment is the seller’s equity. You take over the $182,724 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $225,309.23 is due at closing. Uses and sources reconcile at $408,032.83 each. Not a Closing Disclosure.