Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$175,581Cash toward the purchase price.
Closing costs + prepaids$11,417Not just lender fees.
Before credits & paid funds$186,998The complete starting cash picture.
Estimated remaining funds due at closing
$186,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,581.24
Your down payment$175,581.24
Closing costs + prepaids$11,416.95
Total buyer cash needed$186,998.20
Remaining funds due$186,998.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,720.00
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)$930.00
Prepaid interest, first (27 days)$541.95
Fees + prepaids$11,416.95
Your down payment is the seller’s equity. You take over the $196,419 balance, so the rest of the $372,000 price is paid at closing. A second mortgage can cover part of it. $186,998.20 is due at closing. Uses and sources reconcile at $383,416.95 each. Not a Closing Disclosure.