Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$177,712Cash toward the purchase price.
Closing costs + prepaids$10,827Not just lender fees.
Before credits & paid funds$188,539The complete starting cash picture.
Estimated remaining funds due at closing
$188,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,712.06
Your down payment$177,712.06
Closing costs + prepaids$10,827.23
Total buyer cash needed$188,539.29
Remaining funds due$188,539.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$333.50
Prepaid interest, first (24 days)$369.73
Fees + prepaids$10,827.23
Your down payment is the seller’s equity. You take over the $212,188 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $188,539.29 is due at closing. Uses and sources reconcile at $400,727.23 each. Not a Closing Disclosure.