Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$225,822Cash toward the purchase price.
Closing costs + prepaids$10,681Not just lender fees.
Before credits & paid funds$236,502The complete starting cash picture.
Estimated remaining funds due at closing
$236,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,821.59
Your down payment$225,821.59
Closing costs + prepaids$10,680.87
Total buyer cash needed$236,502.46
Remaining funds due$236,502.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$465.50
Prepaid interest, first (6 days)$110.37
Fees + prepaids$10,680.87
Your down payment is the seller’s equity. You take over the $162,178 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $236,502.46 is due at closing. Uses and sources reconcile at $398,680.87 each. Not a Closing Disclosure.