Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$184,912Cash toward the purchase price.
Closing costs + prepaids$11,355Not just lender fees.
Before credits & paid funds$196,267The complete starting cash picture.
Estimated remaining funds due at closing
$196,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,912.33
Your down payment$184,912.33
Closing costs + prepaids$11,354.53
Total buyer cash needed$196,266.87
Remaining funds due$196,266.87
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)$684.50
Prepaid interest, first (23 days)$746.03
Fees + prepaids$11,354.53
Your down payment is the seller’s equity. You take over the $184,988 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $196,266.87 is due at closing. Uses and sources reconcile at $381,254.53 each. Not a Closing Disclosure.