Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$210,553Cash toward the purchase price.
Closing costs + prepaids$11,538Not just lender fees.
Before credits & paid funds$222,090The complete starting cash picture.
Estimated remaining funds due at closing
$222,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,552.67
Your down payment$210,552.67
Closing costs + prepaids$11,537.60
Total buyer cash needed$222,090.27
Remaining funds due$222,090.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.12
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)$934.25
Initial HOA (3 months)$111.75
Prepaid interest, first (22 days)$376.48
Fees + prepaids$11,537.60
Your down payment is the seller’s equity. You take over the $178,459 balance, so the rest of the $389,012 price is paid at closing. A second mortgage can cover part of it. $222,090.27 is due at closing. Uses and sources reconcile at $400,549.60 each. Not a Closing Disclosure.