Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$183,302Cash toward the purchase price.
Closing costs + prepaids$12,640Not just lender fees.
Before credits & paid funds$195,942The complete starting cash picture.
Estimated remaining funds due at closing
$195,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,301.78
Your down payment$183,301.78
Closing costs + prepaids$12,639.82
Total buyer cash needed$195,941.59
Remaining funds due$195,941.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$1,325.50
Initial HOA (3 months)$900.00
Prepaid interest, first (23 days)$490.32
Fees + prepaids$12,639.82
Your down payment is the seller’s equity. You take over the $186,598 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $195,941.59 is due at closing. Uses and sources reconcile at $382,539.82 each. Not a Closing Disclosure.