Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$254,996Cash toward the purchase price.
Closing costs + prepaids$11,550Not just lender fees.
Before credits & paid funds$266,546The complete starting cash picture.
Estimated remaining funds due at closing
$266,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,995.85
Your down payment$254,995.85
Closing costs + prepaids$11,550.13
Total buyer cash needed$266,545.98
Remaining funds due$266,545.98
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)$999.25
Initial HOA (3 months)$71.76
Prepaid interest, first (31 days)$404.12
Fees + prepaids$11,550.13
Your down payment is the seller’s equity. You take over the $130,004 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $266,545.98 is due at closing. Uses and sources reconcile at $396,550.13 each. Not a Closing Disclosure.