Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$113,633Cash toward the purchase price.
Closing costs + prepaids$12,226Not just lender fees.
Before credits & paid funds$125,859The complete starting cash picture.
Estimated remaining funds due at closing
$125,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,632.96
Your down payment$113,632.96
Closing costs + prepaids$12,225.70
Total buyer cash needed$125,858.66
Remaining funds due$125,858.66
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)$1,343.25
Initial HOA (3 months)$414.00
Prepaid interest, first (18 days)$393.45
Fees + prepaids$12,225.70
Your down payment is the seller’s equity. You take over the $271,367 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $125,858.66 is due at closing. Uses and sources reconcile at $397,225.70 each. Not a Closing Disclosure.