Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$221,402Cash toward the purchase price.
Closing costs + prepaids$12,055Not just lender fees.
Before credits & paid funds$233,458The complete starting cash picture.
Estimated remaining funds due at closing
$233,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,402.33
Your down payment$221,402.33
Closing costs + prepaids$12,055.17
Total buyer cash needed$233,457.50
Remaining funds due$233,457.50
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)$1,435.00
Prepaid interest, first (24 days)$445.17
Fees + prepaids$12,055.17
Your down payment is the seller’s equity. You take over the $173,598 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $233,457.50 is due at closing. Uses and sources reconcile at $407,055.17 each. Not a Closing Disclosure.