Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$178,611Cash toward the purchase price.
Closing costs + prepaids$10,884Not just lender fees.
Before credits & paid funds$189,496The complete starting cash picture.
Estimated remaining funds due at closing
$189,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,611.14
Your down payment$178,611.14
Closing costs + prepaids$10,884.49
Total buyer cash needed$189,495.63
Remaining funds due$189,495.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,865.00
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)$623.00
Initial HOA (3 months)$156.00
Prepaid interest, first (1 days)$15.49
Fees + prepaids$10,884.49
Your down payment is the seller’s equity. You take over the $207,889 balance, so the rest of the $386,500 price is paid at closing. A second mortgage can cover part of it. $189,495.63 is due at closing. Uses and sources reconcile at $397,384.49 each. Not a Closing Disclosure.