Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$193,845Cash toward the purchase price.
Closing costs + prepaids$11,030Not just lender fees.
Before credits & paid funds$204,876The complete starting cash picture.
Estimated remaining funds due at closing
$204,876No 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$11,030.33
Total buyer cash needed$204,875.55
Remaining funds due$204,875.55
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 (27 days)$438.34
Fees + prepaids$11,030.33
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. $204,875.55 is due at closing. Uses and sources reconcile at $396,029.33 each. Not a Closing Disclosure.