Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$185,156Cash toward the purchase price.
Closing costs + prepaids$11,184Not just lender fees.
Before credits & paid funds$196,340The complete starting cash picture.
Estimated remaining funds due at closing
$196,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,155.70
Your down payment$185,155.70
Closing costs + prepaids$11,184.04
Total buyer cash needed$196,339.74
Remaining funds due$196,339.74
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)$594.75
Initial HOA (3 months)$200.01
Prepaid interest, first (20 days)$314.28
Fees + prepaids$11,184.04
Your down payment is the seller’s equity. You take over the $199,844 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $196,339.74 is due at closing. Uses and sources reconcile at $396,184.04 each. Not a Closing Disclosure.