Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$190,586Cash toward the purchase price.
Closing costs + prepaids$10,985Not just lender fees.
Before credits & paid funds$201,571The complete starting cash picture.
Estimated remaining funds due at closing
$201,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,585.62
Your down payment$190,585.62
Closing costs + prepaids$10,985.02
Total buyer cash needed$201,570.65
Remaining funds due$201,570.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.99
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)$462.00
Initial HOA (3 months)$228.00
Prepaid interest, first (9 days)$220.03
Fees + prepaids$10,985.02
Your down payment is the seller’s equity. You take over the $194,413 balance, so the rest of the $384,999 price is paid at closing. A second mortgage can cover part of it. $201,570.65 is due at closing. Uses and sources reconcile at $395,984.02 each. Not a Closing Disclosure.