Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$155,732Cash toward the purchase price.
Closing costs + prepaids$11,135Not just lender fees.
Before credits & paid funds$166,867The complete starting cash picture.
Estimated remaining funds due at closing
$166,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,731.91
Your down payment$155,731.91
Closing costs + prepaids$11,134.64
Total buyer cash needed$166,866.55
Remaining funds due$166,866.55
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)$481.25
Initial HOA (3 months)$300.00
Prepaid interest, first (16 days)$278.39
Fees + prepaids$11,134.64
Your down payment is the seller’s equity. You take over the $229,268 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $166,866.55 is due at closing. Uses and sources reconcile at $396,134.64 each. Not a Closing Disclosure.