Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$239,651Cash toward the purchase price.
Closing costs + prepaids$10,521Not just lender fees.
Before credits & paid funds$250,172The complete starting cash picture.
Estimated remaining funds due at closing
$250,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,651.27
Your down payment$239,651.27
Closing costs + prepaids$10,520.53
Total buyer cash needed$250,171.80
Remaining funds due$250,171.80
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)$46.75
Prepaid interest, first (26 days)$298.78
Fees + prepaids$10,520.53
Your down payment is the seller’s equity. You take over the $155,349 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $250,171.80 is due at closing. Uses and sources reconcile at $405,520.53 each. Not a Closing Disclosure.