Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$211,058Cash toward the purchase price.
Closing costs + prepaids$12,460Not just lender fees.
Before credits & paid funds$223,519The complete starting cash picture.
Estimated remaining funds due at closing
$223,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,058.35
Your down payment$211,058.35
Closing costs + prepaids$12,460.21
Total buyer cash needed$223,518.56
Remaining funds due$223,518.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$1,781.75
Initial HOA (3 months)$306.00
Prepaid interest, first (27 days)$348.46
Fees + prepaids$12,460.21
Your down payment is the seller’s equity. You take over the $168,842 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $223,518.56 is due at closing. Uses and sources reconcile at $392,360.21 each. Not a Closing Disclosure.