Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$215,791Cash toward the purchase price.
Closing costs + prepaids$10,685Not just lender fees.
Before credits & paid funds$226,476The complete starting cash picture.
Estimated remaining funds due at closing
$226,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,791.24
Your down payment$215,791.24
Closing costs + prepaids$10,684.74
Total buyer cash needed$226,475.99
Remaining funds due$226,475.99
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)$460.75
Prepaid interest, first (10 days)$158.99
Fees + prepaids$10,684.74
Your down payment is the seller’s equity. You take over the $168,209 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $226,475.99 is due at closing. Uses and sources reconcile at $394,684.74 each. Not a Closing Disclosure.