Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$199,599Cash toward the purchase price.
Closing costs + prepaids$10,876Not just lender fees.
Before credits & paid funds$210,475The complete starting cash picture.
Estimated remaining funds due at closing
$210,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,599.43
Your down payment$199,599.43
Closing costs + prepaids$10,876.02
Total buyer cash needed$210,475.45
Remaining funds due$210,475.45
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)$414.50
Prepaid interest, first (23 days)$436.52
Fees + prepaids$10,876.02
Your down payment is the seller’s equity. You take over the $180,401 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $210,475.45 is due at closing. Uses and sources reconcile at $390,876.02 each. Not a Closing Disclosure.