Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$193,807Cash toward the purchase price.
Closing costs + prepaids$10,998Not just lender fees.
Before credits & paid funds$204,806The complete starting cash picture.
Estimated remaining funds due at closing
$204,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,807.19
Your down payment$193,807.19
Closing costs + prepaids$10,998.39
Total buyer cash needed$204,805.59
Remaining funds due$204,805.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$518.25
Initial HOA (3 months)$105.00
Prepaid interest, first (22 days)$350.14
Fees + prepaids$10,998.39
Your down payment is the seller’s equity. You take over the $186,193 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $204,805.59 is due at closing. Uses and sources reconcile at $390,998.39 each. Not a Closing Disclosure.