Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$192,902Cash toward the purchase price.
Closing costs + prepaids$11,090Not just lender fees.
Before credits & paid funds$203,992The complete starting cash picture.
Estimated remaining funds due at closing
$203,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,902.19
Your down payment$192,902.19
Closing costs + prepaids$11,089.92
Total buyer cash needed$203,992.11
Remaining funds due$203,992.11
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)$721.75
Initial HOA (3 months)$31.26
Prepaid interest, first (14 days)$262.91
Fees + prepaids$11,089.92
Your down payment is the seller’s equity. You take over the $191,998 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $203,992.11 is due at closing. Uses and sources reconcile at $395,989.92 each. Not a Closing Disclosure.