Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$228,663Cash toward the purchase price.
Closing costs + prepaids$12,396Not just lender fees.
Before credits & paid funds$241,059The complete starting cash picture.
Estimated remaining funds due at closing
$241,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,662.80
Your down payment$228,662.80
Closing costs + prepaids$12,396.25
Total buyer cash needed$241,059.06
Remaining funds due$241,059.06
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)$636.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (23 days)$310.25
Fees + prepaids$12,396.25
Your down payment is the seller’s equity. You take over the $166,337 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $241,059.06 is due at closing. Uses and sources reconcile at $407,396.25 each. Not a Closing Disclosure.