Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$193,660Cash toward the purchase price.
Closing costs + prepaids$11,646Not just lender fees.
Before credits & paid funds$205,306The complete starting cash picture.
Estimated remaining funds due at closing
$205,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,659.65
Your down payment$193,659.65
Closing costs + prepaids$11,646.20
Total buyer cash needed$205,305.85
Remaining funds due$205,305.85
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)$1,366.75
Prepaid interest, first (6 days)$204.45
Fees + prepaids$11,646.20
Your down payment is the seller’s equity. You take over the $191,340 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $205,305.85 is due at closing. Uses and sources reconcile at $396,646.20 each. Not a Closing Disclosure.