Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,530Cash toward the purchase price.
Closing costs + prepaids$12,900Not just lender fees.
Before credits & paid funds$186,430The complete starting cash picture.
Estimated remaining funds due at closing
$186,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,530.15
Your down payment$173,530.15
Closing costs + prepaids$12,899.77
Total buyer cash needed$186,429.92
Remaining funds due$186,429.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$972.50
Initial HOA (3 months)$1,404.00
Prepaid interest, first (26 days)$408.27
Fees + prepaids$12,899.77
Your down payment is the seller’s equity. You take over the $215,470 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $186,429.92 is due at closing. Uses and sources reconcile at $401,899.77 each. Not a Closing Disclosure.