Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$190,736Cash toward the purchase price.
Closing costs + prepaids$11,231Not just lender fees.
Before credits & paid funds$201,966The complete starting cash picture.
Estimated remaining funds due at closing
$201,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,735.54
Your down payment$190,735.54
Closing costs + prepaids$11,230.54
Total buyer cash needed$201,966.08
Remaining funds due$201,966.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$790.25
Initial HOA (3 months)$122.76
Prepaid interest, first (23 days)$342.53
Fees + prepaids$11,230.54
Your down payment is the seller’s equity. You take over the $184,264 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $201,966.08 is due at closing. Uses and sources reconcile at $386,230.54 each. Not a Closing Disclosure.