Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$195,537Cash toward the purchase price.
Closing costs + prepaids$13,001Not just lender fees.
Before credits & paid funds$208,538The complete starting cash picture.
Estimated remaining funds due at closing
$208,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,537.42
Your down payment$195,537.42
Closing costs + prepaids$13,001.07
Total buyer cash needed$208,538.49
Remaining funds due$208,538.49
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)$2,035.00
Initial HOA (3 months)$275.01
Prepaid interest, first (23 days)$567.06
Fees + prepaids$13,001.07
Your down payment is the seller’s equity. You take over the $194,363 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $208,538.49 is due at closing. Uses and sources reconcile at $402,901.07 each. Not a Closing Disclosure.