Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$189,714Cash toward the purchase price.
Closing costs + prepaids$11,160Not just lender fees.
Before credits & paid funds$200,874The complete starting cash picture.
Estimated remaining funds due at closing
$200,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,714.44
Your down payment$189,714.44
Closing costs + prepaids$11,159.53
Total buyer cash needed$200,873.97
Remaining funds due$200,873.97
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)$532.00
Prepaid interest, first (27 days)$452.53
Fees + prepaids$11,159.53
Your down payment is the seller’s equity. You take over the $205,286 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $200,873.97 is due at closing. Uses and sources reconcile at $406,159.53 each. Not a Closing Disclosure.