Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$164,020Cash toward the purchase price.
Closing costs + prepaids$12,729Not just lender fees.
Before credits & paid funds$176,748The complete starting cash picture.
Estimated remaining funds due at closing
$176,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,019.66
Your down payment$164,019.66
Closing costs + prepaids$12,728.78
Total buyer cash needed$176,748.44
Remaining funds due$176,748.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$2,000.50
Initial HOA (3 months)$33.00
Prepaid interest, first (25 days)$680.28
Fees + prepaids$12,728.78
Your down payment is the seller’s equity. You take over the $214,980 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $176,748.44 is due at closing. Uses and sources reconcile at $391,728.78 each. Not a Closing Disclosure.