Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$221,036Cash toward the purchase price.
Closing costs + prepaids$11,022Not just lender fees.
Before credits & paid funds$232,058The complete starting cash picture.
Estimated remaining funds due at closing
$232,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,036.34
Your down payment$221,036.34
Closing costs + prepaids$11,021.52
Total buyer cash needed$232,057.86
Remaining funds due$232,057.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,960.00
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)$495.00
Initial HOA (3 months)$96.00
Prepaid interest, first (13 days)$245.52
Fees + prepaids$11,021.52
Your down payment is the seller’s equity. You take over the $174,964 balance, so the rest of the $396,000 price is paid at closing. A second mortgage can cover part of it. $232,057.86 is due at closing. Uses and sources reconcile at $407,021.52 each. Not a Closing Disclosure.