Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$173,243Cash toward the purchase price.
Closing costs + prepaids$11,671Not just lender fees.
Before credits & paid funds$184,914The complete starting cash picture.
Estimated remaining funds due at closing
$184,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,242.82
Your down payment$173,242.82
Closing costs + prepaids$11,670.98
Total buyer cash needed$184,913.79
Remaining funds due$184,913.79
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)$1,028.25
Initial HOA (3 months)$62.49
Prepaid interest, first (23 days)$405.24
Fees + prepaids$11,670.98
Your down payment is the seller’s equity. You take over the $221,757 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $184,913.79 is due at closing. Uses and sources reconcile at $406,670.98 each. Not a Closing Disclosure.