Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$202,666Cash toward the purchase price.
Closing costs + prepaids$12,591Not just lender fees.
Before credits & paid funds$215,256The complete starting cash picture.
Estimated remaining funds due at closing
$215,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,665.61
Your down payment$202,665.61
Closing costs + prepaids$12,590.55
Total buyer cash needed$215,256.16
Remaining funds due$215,256.16
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)$1,530.00
Initial HOA (3 months)$540.00
Prepaid interest, first (25 days)$495.56
Fees + prepaids$12,590.55
Your down payment is the seller’s equity. You take over the $177,333 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $215,256.16 is due at closing. Uses and sources reconcile at $392,589.55 each. Not a Closing Disclosure.