Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$243,132Cash toward the purchase price.
Closing costs + prepaids$11,505Not just lender fees.
Before credits & paid funds$254,636The complete starting cash picture.
Estimated remaining funds due at closing
$254,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,131.63
Your down payment$243,131.63
Closing costs + prepaids$11,504.72
Total buyer cash needed$254,636.35
Remaining funds due$254,636.35
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)$1,054.25
Prepaid interest, first (28 days)$375.47
Fees + prepaids$11,504.72
Your down payment is the seller’s equity. You take over the $141,868 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $254,636.35 is due at closing. Uses and sources reconcile at $396,504.72 each. Not a Closing Disclosure.