Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$193,191Cash toward the purchase price.
Closing costs + prepaids$12,802Not just lender fees.
Before credits & paid funds$205,993The complete starting cash picture.
Estimated remaining funds due at closing
$205,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,191.19
Your down payment$193,191.19
Closing costs + prepaids$12,801.72
Total buyer cash needed$205,992.92
Remaining funds due$205,992.92
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)$900.75
Initial HOA (3 months)$1,350.00
Prepaid interest, first (25 days)$375.97
Fees + prepaids$12,801.72
Your down payment is the seller’s equity. You take over the $201,809 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $205,992.92 is due at closing. Uses and sources reconcile at $407,801.72 each. Not a Closing Disclosure.