Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$218,741Cash toward the purchase price.
Closing costs + prepaids$10,794Not just lender fees.
Before credits & paid funds$229,535The complete starting cash picture.
Estimated remaining funds due at closing
$229,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,740.55
Your down payment$218,740.55
Closing costs + prepaids$10,794.25
Total buyer cash needed$229,534.79
Remaining funds due$229,534.79
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)$481.25
Prepaid interest, first (14 days)$239.00
Fees + prepaids$10,794.25
Your down payment is the seller’s equity. You take over the $166,159 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $229,534.79 is due at closing. Uses and sources reconcile at $395,694.25 each. Not a Closing Disclosure.