Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$212,339Cash toward the purchase price.
Closing costs + prepaids$11,398Not just lender fees.
Before credits & paid funds$223,737The complete starting cash picture.
Estimated remaining funds due at closing
$223,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,339.23
Your down payment$212,339.23
Closing costs + prepaids$11,398.05
Total buyer cash needed$223,737.28
Remaining funds due$223,737.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,980.00
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)$800.50
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$17.55
Fees + prepaids$11,398.05
Your down payment is the seller’s equity. You take over the $185,661 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $223,737.28 is due at closing. Uses and sources reconcile at $409,398.05 each. Not a Closing Disclosure.