Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$198,971Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$210,099The complete starting cash picture.
Estimated remaining funds due at closing
$210,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,970.63
Your down payment$198,970.63
Closing costs + prepaids$11,128.85
Total buyer cash needed$210,099.49
Remaining funds due$210,099.49
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)$981.50
Prepaid interest, first (5 days)$73.35
Fees + prepaids$11,128.85
Your down payment is the seller’s equity. You take over the $185,929 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $210,099.49 is due at closing. Uses and sources reconcile at $396,028.85 each. Not a Closing Disclosure.