Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$179,116Cash toward the purchase price.
Closing costs + prepaids$11,286Not just lender fees.
Before credits & paid funds$190,403The complete starting cash picture.
Estimated remaining funds due at closing
$190,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,116.42
Your down payment$179,116.42
Closing costs + prepaids$11,286.27
Total buyer cash needed$190,402.69
Remaining funds due$190,402.69
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 (27 days)$417.27
Fees + prepaids$11,286.27
Your down payment is the seller’s equity. You take over the $207,384 balance, so the rest of the $386,500 price is paid at closing. A second mortgage can cover part of it. $190,402.69 is due at closing. Uses and sources reconcile at $397,786.27 each. Not a Closing Disclosure.