Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$179,996Cash toward the purchase price.
Closing costs + prepaids$10,897Not just lender fees.
Before credits & paid funds$190,893The complete starting cash picture.
Estimated remaining funds due at closing
$190,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,995.83
Your down payment$179,995.83
Closing costs + prepaids$10,896.80
Total buyer cash needed$190,892.63
Remaining funds due$190,892.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,669.99
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)$333.50
Initial HOA (3 months)$240.00
Prepaid interest, first (22 days)$428.31
Fees + prepaids$10,896.80
Your down payment is the seller’s equity. You take over the $187,003 balance, so the rest of the $366,999 price is paid at closing. A second mortgage can cover part of it. $190,892.63 is due at closing. Uses and sources reconcile at $377,895.80 each. Not a Closing Disclosure.