Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$199,795Cash toward the purchase price.
Closing costs + prepaids$10,979Not just lender fees.
Before credits & paid funds$210,774The complete starting cash picture.
Estimated remaining funds due at closing
$210,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,794.88
Your down payment$199,794.88
Closing costs + prepaids$10,979.25
Total buyer cash needed$210,774.12
Remaining funds due$210,774.12
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 (2 days)$38.75
Fees + prepaids$10,979.25
Your down payment is the seller’s equity. You take over the $185,105 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $210,774.12 is due at closing. Uses and sources reconcile at $395,879.25 each. Not a Closing Disclosure.