Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$207,209Cash toward the purchase price.
Closing costs + prepaids$11,070Not just lender fees.
Before credits & paid funds$218,278The complete starting cash picture.
Estimated remaining funds due at closing
$218,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,208.52
Your down payment$207,208.52
Closing costs + prepaids$11,069.65
Total buyer cash needed$218,278.17
Remaining funds due$218,278.17
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)$384.50
Initial HOA (3 months)$150.00
Prepaid interest, first (25 days)$360.15
Fees + prepaids$11,069.65
Your down payment is the seller’s equity. You take over the $187,791 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $218,278.17 is due at closing. Uses and sources reconcile at $406,069.65 each. Not a Closing Disclosure.