Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$176,999Cash toward the purchase price.
Closing costs + prepaids$12,115Not just lender fees.
Before credits & paid funds$189,114The complete starting cash picture.
Estimated remaining funds due at closing
$189,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,999.06
Your down payment$176,999.06
Closing costs + prepaids$12,114.64
Total buyer cash needed$189,113.70
Remaining funds due$189,113.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$1,622.25
Initial HOA (3 months)$24.99
Prepaid interest, first (29 days)$492.40
Fees + prepaids$12,114.64
Your down payment is the seller’s equity. You take over the $198,001 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $189,113.70 is due at closing. Uses and sources reconcile at $387,114.64 each. Not a Closing Disclosure.