Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$200,149Cash toward the purchase price.
Closing costs + prepaids$10,814Not just lender fees.
Before credits & paid funds$210,963The complete starting cash picture.
Estimated remaining funds due at closing
$210,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,149.41
Your down payment$200,149.41
Closing costs + prepaids$10,813.99
Total buyer cash needed$210,963.41
Remaining funds due$210,963.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.99
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)$386.50
Initial HOA (3 months)$228.00
Prepaid interest, first (1 days)$24.50
Fees + prepaids$10,813.99
Your down payment is the seller’s equity. You take over the $194,850 balance, so the rest of the $394,999 price is paid at closing. A second mortgage can cover part of it. $210,963.41 is due at closing. Uses and sources reconcile at $405,812.99 each. Not a Closing Disclosure.