Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$175,241Cash toward the purchase price.
Closing costs + prepaids$10,941Not just lender fees.
Before credits & paid funds$186,182The complete starting cash picture.
Estimated remaining funds due at closing
$186,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,240.99
Your down payment$175,240.99
Closing costs + prepaids$10,941.45
Total buyer cash needed$186,182.45
Remaining funds due$186,182.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$433.25
Initial HOA (3 months)$11.25
Prepaid interest, first (27 days)$571.95
Fees + prepaids$10,941.45
Your down payment is the seller’s equity. You take over the $194,759 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $186,182.45 is due at closing. Uses and sources reconcile at $380,941.45 each. Not a Closing Disclosure.