Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$187,812Cash toward the purchase price.
Closing costs + prepaids$11,651Not just lender fees.
Before credits & paid funds$199,463The complete starting cash picture.
Estimated remaining funds due at closing
$199,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,812.27
Your down payment$187,812.27
Closing costs + prepaids$11,650.60
Total buyer cash needed$199,462.87
Remaining funds due$199,462.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,935.00
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)$786.50
Initial HOA (3 months)$336.00
Prepaid interest, first (23 days)$368.10
Fees + prepaids$11,650.60
Your down payment is the seller’s equity. You take over the $205,688 balance, so the rest of the $393,500 price is paid at closing. A second mortgage can cover part of it. $199,462.87 is due at closing. Uses and sources reconcile at $405,150.60 each. Not a Closing Disclosure.