Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$212,899Cash toward the purchase price.
Closing costs + prepaids$11,140Not just lender fees.
Before credits & paid funds$224,040The complete starting cash picture.
Estimated remaining funds due at closing
$224,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,899.38
Your down payment$212,899.38
Closing costs + prepaids$11,140.40
Total buyer cash needed$224,039.78
Remaining funds due$224,039.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$167.50
Prepaid interest, first (25 days)$847.90
Fees + prepaids$11,140.40
Your down payment is the seller’s equity. You take over the $177,101 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $224,039.78 is due at closing. Uses and sources reconcile at $401,140.40 each. Not a Closing Disclosure.