Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$193,845Cash toward the purchase price.
Closing costs + prepaids$11,095Not just lender fees.
Before credits & paid funds$204,940The complete starting cash picture.
Estimated remaining funds due at closing
$204,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,845.22
Your down payment$193,845.22
Closing costs + prepaids$11,095.27
Total buyer cash needed$204,940.49
Remaining funds due$204,940.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.99
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)$376.00
Initial HOA (3 months)$141.00
Prepaid interest, first (31 days)$503.28
Fees + prepaids$11,095.27
Your down payment is the seller’s equity. You take over the $191,154 balance, so the rest of the $384,999 price is paid at closing. A second mortgage can cover part of it. $204,940.49 is due at closing. Uses and sources reconcile at $396,094.27 each. Not a Closing Disclosure.