Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,061Cash toward the purchase price.
Closing costs + prepaids$11,040Not just lender fees.
Before credits & paid funds$184,101The complete starting cash picture.
Estimated remaining funds due at closing
$184,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,061.11
Your down payment$173,061.11
Closing costs + prepaids$11,040.37
Total buyer cash needed$184,101.48
Remaining funds due$184,101.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$601.75
Initial HOA (3 months)$108.00
Prepaid interest, first (26 days)$406.62
Fees + prepaids$11,040.37
Your down payment is the seller’s equity. You take over the $196,839 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $184,101.48 is due at closing. Uses and sources reconcile at $380,940.37 each. Not a Closing Disclosure.