Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$209,546Cash toward the purchase price.
Closing costs + prepaids$11,266Not just lender fees.
Before credits & paid funds$220,813The complete starting cash picture.
Estimated remaining funds due at closing
$220,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,546.16
Your down payment$209,546.16
Closing costs + prepaids$11,266.45
Total buyer cash needed$220,812.61
Remaining funds due$220,812.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,945.00
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)$1,006.00
Prepaid interest, first (5 days)$90.45
Fees + prepaids$11,266.45
Your down payment is the seller’s equity. You take over the $184,954 balance, so the rest of the $394,500 price is paid at closing. A second mortgage can cover part of it. $220,812.61 is due at closing. Uses and sources reconcile at $405,766.45 each. Not a Closing Disclosure.