Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$216,489Cash toward the purchase price.
Closing costs + prepaids$11,501Not just lender fees.
Before credits & paid funds$227,989The complete starting cash picture.
Estimated remaining funds due at closing
$227,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,488.64
Your down payment$216,488.64
Closing costs + prepaids$11,500.64
Total buyer cash needed$227,989.28
Remaining funds due$227,989.28
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)$839.50
Prepaid interest, first (28 days)$486.14
Fees + prepaids$11,500.64
Your down payment is the seller’s equity. You take over the $178,511 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $227,989.28 is due at closing. Uses and sources reconcile at $406,500.64 each. Not a Closing Disclosure.