Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$181,843Cash toward the purchase price.
Closing costs + prepaids$10,535Not just lender fees.
Before credits & paid funds$192,377The complete starting cash picture.
Estimated remaining funds due at closing
$192,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,842.74
Your down payment$181,842.74
Closing costs + prepaids$10,534.55
Total buyer cash needed$192,377.29
Remaining funds due$192,377.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,745.00
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)$193.75
Prepaid interest, first (25 days)$370.80
Fees + prepaids$10,534.55
Your down payment is the seller’s equity. You take over the $192,657 balance, so the rest of the $374,500 price is paid at closing. A second mortgage can cover part of it. $192,377.29 is due at closing. Uses and sources reconcile at $385,034.55 each. Not a Closing Disclosure.