Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$193,845Cash toward the purchase price.
Closing costs + prepaids$10,933Not just lender fees.
Before credits & paid funds$204,778The complete starting cash picture.
Estimated remaining funds due at closing
$204,778No 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$10,932.92
Total buyer cash needed$204,778.14
Remaining funds due$204,778.14
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 (21 days)$340.93
Fees + prepaids$10,932.92
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. $204,778.14 is due at closing. Uses and sources reconcile at $395,931.92 each. Not a Closing Disclosure.