Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$179,874Cash toward the purchase price.
Closing costs + prepaids$10,802Not just lender fees.
Before credits & paid funds$190,675The complete starting cash picture.
Estimated remaining funds due at closing
$190,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,873.50
Your down payment$179,873.50
Closing costs + prepaids$10,801.95
Total buyer cash needed$190,675.45
Remaining funds due$190,675.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$351.25
Initial HOA (3 months)$60.00
Prepaid interest, first (23 days)$365.71
Fees + prepaids$10,801.95
Your down payment is the seller’s equity. You take over the $200,125 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $190,675.45 is due at closing. Uses and sources reconcile at $390,800.95 each. Not a Closing Disclosure.