Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$191,277Cash toward the purchase price.
Closing costs + prepaids$11,238Not just lender fees.
Before credits & paid funds$202,516The complete starting cash picture.
Estimated remaining funds due at closing
$202,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,277.39
Your down payment$191,277.39
Closing costs + prepaids$11,238.41
Total buyer cash needed$202,515.80
Remaining funds due$202,515.80
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)$141.00
Prepaid interest, first (26 days)$973.41
Fees + prepaids$11,238.41
Your down payment is the seller’s equity. You take over the $198,623 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $202,515.80 is due at closing. Uses and sources reconcile at $401,138.41 each. Not a Closing Disclosure.