Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$186,573Cash toward the purchase price.
Closing costs + prepaids$11,113Not just lender fees.
Before credits & paid funds$197,687The complete starting cash picture.
Estimated remaining funds due at closing
$197,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,573.40
Your down payment$186,573.40
Closing costs + prepaids$11,113.17
Total buyer cash needed$197,686.57
Remaining funds due$197,686.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.90
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)$326.00
Initial HOA (3 months)$137.01
Prepaid interest, first (26 days)$525.26
Fees + prepaids$11,113.17
Your down payment is the seller’s equity. You take over the $203,417 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $197,686.57 is due at closing. Uses and sources reconcile at $401,103.17 each. Not a Closing Disclosure.