Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$153,565Cash toward the purchase price.
Closing costs + prepaids$11,145Not just lender fees.
Before credits & paid funds$164,710The complete starting cash picture.
Estimated remaining funds due at closing
$164,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,564.59
Your down payment$153,564.59
Closing costs + prepaids$11,145.02
Total buyer cash needed$164,709.60
Remaining funds due$164,709.60
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)$576.25
Initial HOA (3 months)$12.51
Prepaid interest, first (22 days)$481.26
Fees + prepaids$11,145.02
Your down payment is the seller’s equity. You take over the $231,435 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $164,709.60 is due at closing. Uses and sources reconcile at $396,145.02 each. Not a Closing Disclosure.