Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$223,198Cash toward the purchase price.
Closing costs + prepaids$11,523Not just lender fees.
Before credits & paid funds$234,721The complete starting cash picture.
Estimated remaining funds due at closing
$234,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,198.03
Your down payment$223,198.03
Closing costs + prepaids$11,522.73
Total buyer cash needed$234,720.76
Remaining funds due$234,720.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$962.25
Initial HOA (3 months)$41.25
Prepaid interest, first (25 days)$445.23
Fees + prepaids$11,522.73
Your down payment is the seller’s equity. You take over the $161,702 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $234,720.76 is due at closing. Uses and sources reconcile at $396,422.73 each. Not a Closing Disclosure.