Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$200,224Cash toward the purchase price.
Closing costs + prepaids$11,540Not just lender fees.
Before credits & paid funds$211,763The complete starting cash picture.
Estimated remaining funds due at closing
$211,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,223.80
Your down payment$200,223.80
Closing costs + prepaids$11,539.66
Total buyer cash needed$211,763.46
Remaining funds due$211,763.46
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)$560.50
Initial HOA (3 months)$306.00
Prepaid interest, first (31 days)$599.16
Fees + prepaids$11,539.66
Your down payment is the seller’s equity. You take over the $184,676 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $211,763.46 is due at closing. Uses and sources reconcile at $396,439.66 each. Not a Closing Disclosure.