Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$177,327Cash toward the purchase price.
Closing costs + prepaids$12,557Not just lender fees.
Before credits & paid funds$189,884The complete starting cash picture.
Estimated remaining funds due at closing
$189,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,327.13
Your down payment$177,327.13
Closing costs + prepaids$12,557.27
Total buyer cash needed$189,884.40
Remaining funds due$189,884.40
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)$1,096.00
Initial HOA (3 months)$1,230.00
Prepaid interest, first (26 days)$307.27
Fees + prepaids$12,557.27
Your down payment is the seller’s equity. You take over the $192,573 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $189,884.40 is due at closing. Uses and sources reconcile at $382,457.27 each. Not a Closing Disclosure.