Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$215,136Cash toward the purchase price.
Closing costs + prepaids$11,354Not just lender fees.
Before credits & paid funds$226,491The complete starting cash picture.
Estimated remaining funds due at closing
$226,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,136.47
Your down payment$215,136.47
Closing costs + prepaids$11,354.26
Total buyer cash needed$226,490.73
Remaining funds due$226,490.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,875.00
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)$503.50
Initial HOA (3 months)$279.00
Prepaid interest, first (30 days)$471.76
Fees + prepaids$11,354.26
Your down payment is the seller’s equity. You take over the $172,364 balance, so the rest of the $387,500 price is paid at closing. A second mortgage can cover part of it. $226,490.73 is due at closing. Uses and sources reconcile at $398,854.26 each. Not a Closing Disclosure.