Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$203,354Cash toward the purchase price.
Closing costs + prepaids$11,711Not just lender fees.
Before credits & paid funds$215,064The complete starting cash picture.
Estimated remaining funds due at closing
$215,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,353.77
Your down payment$203,353.77
Closing costs + prepaids$11,710.72
Total buyer cash needed$215,064.49
Remaining funds due$215,064.49
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)$1,011.75
Prepaid interest, first (25 days)$574.97
Fees + prepaids$11,710.72
Your down payment is the seller’s equity. You take over the $186,546 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $215,064.49 is due at closing. Uses and sources reconcile at $401,610.72 each. Not a Closing Disclosure.