Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$214,982Cash toward the purchase price.
Closing costs + prepaids$12,189Not just lender fees.
Before credits & paid funds$227,170The complete starting cash picture.
Estimated remaining funds due at closing
$227,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,981.81
Your down payment$214,981.81
Closing costs + prepaids$12,188.52
Total buyer cash needed$227,170.33
Remaining funds due$227,170.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,809.00
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)$1,308.50
Initial HOA (3 months)$486.00
Prepaid interest, first (22 days)$360.02
Fees + prepaids$12,188.52
Your down payment is the seller’s equity. You take over the $165,918 balance, so the rest of the $380,900 price is paid at closing. A second mortgage can cover part of it. $227,170.33 is due at closing. Uses and sources reconcile at $393,088.52 each. Not a Closing Disclosure.