Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$183,910Cash toward the purchase price.
Closing costs + prepaids$12,282Not just lender fees.
Before credits & paid funds$196,192The complete starting cash picture.
Estimated remaining funds due at closing
$196,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,909.76
Your down payment$183,909.76
Closing costs + prepaids$12,282.36
Total buyer cash needed$196,192.12
Remaining funds due$196,192.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$1,525.75
Initial HOA (3 months)$111.99
Prepaid interest, first (25 days)$520.62
Fees + prepaids$12,282.36
Your down payment is the seller’s equity. You take over the $205,990 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $196,192.12 is due at closing. Uses and sources reconcile at $402,182.36 each. Not a Closing Disclosure.