Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$210,367Cash toward the purchase price.
Closing costs + prepaids$11,346Not just lender fees.
Before credits & paid funds$221,713The complete starting cash picture.
Estimated remaining funds due at closing
$221,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,366.58
Your down payment$210,366.58
Closing costs + prepaids$11,346.18
Total buyer cash needed$221,712.76
Remaining funds due$221,712.76
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)$712.00
Initial HOA (3 months)$132.00
Prepaid interest, first (22 days)$327.18
Fees + prepaids$11,346.18
Your down payment is the seller’s equity. You take over the $184,633 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $221,712.76 is due at closing. Uses and sources reconcile at $406,346.18 each. Not a Closing Disclosure.