Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$231,543Cash toward the purchase price.
Closing costs + prepaids$11,568Not just lender fees.
Before credits & paid funds$243,111The complete starting cash picture.
Estimated remaining funds due at closing
$243,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,542.82
Your down payment$231,542.82
Closing costs + prepaids$11,568.34
Total buyer cash needed$243,111.16
Remaining funds due$243,111.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$994.25
Initial HOA (3 months)$390.00
Prepaid interest, first (5 days)$60.09
Fees + prepaids$11,568.34
Your down payment is the seller’s equity. You take over the $158,357 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $243,111.16 is due at closing. Uses and sources reconcile at $401,468.34 each. Not a Closing Disclosure.