Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$85,563Cash toward the purchase price.
Closing costs + prepaids$12,416Not just lender fees.
Before credits & paid funds$97,979The complete starting cash picture.
Estimated remaining funds due at closing
$97,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,562.84
Your down payment$85,562.84
Closing costs + prepaids$12,415.85
Total buyer cash needed$97,978.69
Remaining funds due$97,978.69
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)$875.75
Initial HOA (3 months)$216.00
Prepaid interest, first (23 days)$1,249.10
Fees + prepaids$12,415.85
Your down payment is the seller’s equity. You take over the $299,437 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $97,978.69 is due at closing. Uses and sources reconcile at $397,415.85 each. Not a Closing Disclosure.