Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$189,442Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$200,919The complete starting cash picture.
Estimated remaining funds due at closing
$200,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,442.31
Your down payment$189,442.31
Closing costs + prepaids$11,476.22
Total buyer cash needed$200,918.54
Remaining funds due$200,918.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$935.00
Prepaid interest, first (28 days)$576.22
Fees + prepaids$11,476.22
Your down payment is the seller’s equity. You take over the $184,558 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $200,918.54 is due at closing. Uses and sources reconcile at $385,476.22 each. Not a Closing Disclosure.