Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$220,541Cash toward the purchase price.
Closing costs + prepaids$11,768Not just lender fees.
Before credits & paid funds$232,308The complete starting cash picture.
Estimated remaining funds due at closing
$232,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,540.71
Your down payment$220,540.71
Closing costs + prepaids$11,767.69
Total buyer cash needed$232,308.40
Remaining funds due$232,308.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$547.50
Initial HOA (3 months)$231.00
Prepaid interest, first (31 days)$874.19
Fees + prepaids$11,767.69
Your down payment is the seller’s equity. You take over the $168,459 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $232,308.40 is due at closing. Uses and sources reconcile at $400,767.69 each. Not a Closing Disclosure.