Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$174,546Cash toward the purchase price.
Closing costs + prepaids$11,418Not just lender fees.
Before credits & paid funds$185,964The complete starting cash picture.
Estimated remaining funds due at closing
$185,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,546.36
Your down payment$174,546.36
Closing costs + prepaids$11,417.95
Total buyer cash needed$185,964.30
Remaining funds due$185,964.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,840.00
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)$363.75
Prepaid interest, first (26 days)$989.20
Fees + prepaids$11,417.95
Your down payment is the seller’s equity. You take over the $209,454 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $185,964.30 is due at closing. Uses and sources reconcile at $395,417.95 each. Not a Closing Disclosure.