Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$203,874Cash toward the purchase price.
Closing costs + prepaids$12,412Not just lender fees.
Before credits & paid funds$216,286The complete starting cash picture.
Estimated remaining funds due at closing
$216,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,874.26
Your down payment$203,874.26
Closing costs + prepaids$12,412.15
Total buyer cash needed$216,286.41
Remaining funds due$216,286.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,909.00
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)$1,567.25
Initial HOA (3 months)$33.00
Prepaid interest, first (27 days)$677.90
Fees + prepaids$12,412.15
Your down payment is the seller’s equity. You take over the $187,026 balance, so the rest of the $390,900 price is paid at closing. A second mortgage can cover part of it. $216,286.41 is due at closing. Uses and sources reconcile at $403,312.15 each. Not a Closing Disclosure.