Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$223,824Cash toward the purchase price.
Closing costs + prepaids$11,322Not just lender fees.
Before credits & paid funds$235,146The complete starting cash picture.
Estimated remaining funds due at closing
$235,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,824.02
Your down payment$223,824.02
Closing costs + prepaids$11,322.10
Total buyer cash needed$235,146.12
Remaining funds due$235,146.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$364.50
Initial HOA (3 months)$372.00
Prepaid interest, first (31 days)$510.60
Fees + prepaids$11,322.10
Your down payment is the seller’s equity. You take over the $161,176 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $235,146.12 is due at closing. Uses and sources reconcile at $396,322.10 each. Not a Closing Disclosure.