Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$193,428Cash toward the purchase price.
Closing costs + prepaids$10,625Not just lender fees.
Before credits & paid funds$204,052The complete starting cash picture.
Estimated remaining funds due at closing
$204,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,427.68
Your down payment$193,427.68
Closing costs + prepaids$10,624.53
Total buyer cash needed$204,052.22
Remaining funds due$204,052.22
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)$376.00
Initial HOA (3 months)$141.00
Prepaid interest, first (2 days)$32.54
Fees + prepaids$10,624.53
Your down payment is the seller’s equity. You take over the $191,571 balance, so the rest of the $384,999 price is paid at closing. A second mortgage can cover part of it. $204,052.22 is due at closing. Uses and sources reconcile at $395,623.53 each. Not a Closing Disclosure.