Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$179,467Cash toward the purchase price.
Closing costs + prepaids$11,521Not just lender fees.
Before credits & paid funds$190,988The complete starting cash picture.
Estimated remaining funds due at closing
$190,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,466.63
Your down payment$179,466.63
Closing costs + prepaids$11,520.92
Total buyer cash needed$190,987.54
Remaining funds due$190,987.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,840.00
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)$254.50
Initial HOA (3 months)$855.00
Prepaid interest, first (22 days)$346.42
Fees + prepaids$11,520.92
Your down payment is the seller’s equity. You take over the $204,533 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $190,987.54 is due at closing. Uses and sources reconcile at $395,520.92 each. Not a Closing Disclosure.