Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$193,234Cash toward the purchase price.
Closing costs + prepaids$11,010Not just lender fees.
Before credits & paid funds$204,244The complete starting cash picture.
Estimated remaining funds due at closing
$204,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,233.96
Your down payment$193,233.96
Closing costs + prepaids$11,009.97
Total buyer cash needed$204,243.92
Remaining funds due$204,243.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$474.00
Prepaid interest, first (10 days)$360.97
Fees + prepaids$11,009.97
Your down payment is the seller’s equity. You take over the $201,766 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $204,243.92 is due at closing. Uses and sources reconcile at $406,009.97 each. Not a Closing Disclosure.