Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$223,129Cash toward the purchase price.
Closing costs + prepaids$10,778Not just lender fees.
Before credits & paid funds$233,907The complete starting cash picture.
Estimated remaining funds due at closing
$233,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,129.27
Your down payment$223,129.27
Closing costs + prepaids$10,777.66
Total buyer cash needed$233,906.93
Remaining funds due$233,906.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,855.00
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)$482.00
Prepaid interest, first (16 days)$215.66
Fees + prepaids$10,777.66
Your down payment is the seller’s equity. You take over the $162,371 balance, so the rest of the $385,500 price is paid at closing. A second mortgage can cover part of it. $233,906.93 is due at closing. Uses and sources reconcile at $396,277.66 each. Not a Closing Disclosure.