Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$176,900Cash toward the purchase price.
Closing costs + prepaids$11,557Not just lender fees.
Before credits & paid funds$188,457The complete starting cash picture.
Estimated remaining funds due at closing
$188,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,899.89
Your down payment$176,899.89
Closing costs + prepaids$11,557.12
Total buyer cash needed$188,457.01
Remaining funds due$188,457.01
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)$533.00
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$624.12
Fees + prepaids$11,557.12
Your down payment is the seller’s equity. You take over the $213,000 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $188,457.01 is due at closing. Uses and sources reconcile at $401,457.12 each. Not a Closing Disclosure.