Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$176,482Cash toward the purchase price.
Closing costs + prepaids$12,086Not just lender fees.
Before credits & paid funds$188,568The complete starting cash picture.
Estimated remaining funds due at closing
$188,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,481.76
Your down payment$176,481.76
Closing costs + prepaids$12,086.08
Total buyer cash needed$188,567.84
Remaining funds due$188,567.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$1,619.25
Prepaid interest, first (28 days)$441.83
Fees + prepaids$12,086.08
Your down payment is the seller’s equity. You take over the $203,518 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $188,567.84 is due at closing. Uses and sources reconcile at $392,086.08 each. Not a Closing Disclosure.