Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$208,434Cash toward the purchase price.
Closing costs + prepaids$13,203Not just lender fees.
Before credits & paid funds$221,638The complete starting cash picture.
Estimated remaining funds due at closing
$221,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,434.16
Your down payment$208,434.16
Closing costs + prepaids$13,203.37
Total buyer cash needed$221,637.53
Remaining funds due$221,637.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,940.00
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)$985.00
Initial HOA (3 months)$1,680.00
Prepaid interest, first (24 days)$373.37
Fees + prepaids$13,203.37
Your down payment is the seller’s equity. You take over the $185,566 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $221,637.53 is due at closing. Uses and sources reconcile at $407,203.37 each. Not a Closing Disclosure.