Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$230,407Cash toward the purchase price.
Closing costs + prepaids$12,257Not just lender fees.
Before credits & paid funds$242,664The complete starting cash picture.
Estimated remaining funds due at closing
$242,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,406.73
Your down payment$230,406.73
Closing costs + prepaids$12,257.20
Total buyer cash needed$242,663.93
Remaining funds due$242,663.93
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)$726.00
Initial HOA (3 months)$960.00
Prepaid interest, first (23 days)$396.20
Fees + prepaids$12,257.20
Your down payment is the seller’s equity. You take over the $164,593 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $242,663.93 is due at closing. Uses and sources reconcile at $407,257.20 each. Not a Closing Disclosure.