Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$220,321Cash toward the purchase price.
Closing costs + prepaids$10,922Not just lender fees.
Before credits & paid funds$231,242The complete starting cash picture.
Estimated remaining funds due at closing
$231,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,320.60
Your down payment$220,320.60
Closing costs + prepaids$10,921.74
Total buyer cash needed$231,242.34
Remaining funds due$231,242.34
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 (1 days)$28.24
Fees + prepaids$10,921.74
Your down payment is the seller’s equity. You take over the $168,679 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $231,242.34 is due at closing. Uses and sources reconcile at $399,921.74 each. Not a Closing Disclosure.