Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$170,169Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$180,930The complete starting cash picture.
Estimated remaining funds due at closing
$180,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,168.96
Your down payment$170,168.96
Closing costs + prepaids$10,761.15
Total buyer cash needed$180,930.10
Remaining funds due$180,930.10
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)$235.00
Prepaid interest, first (21 days)$451.15
Fees + prepaids$10,761.15
Your down payment is the seller’s equity. You take over the $214,831 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $180,930.10 is due at closing. Uses and sources reconcile at $395,761.15 each. Not a Closing Disclosure.