Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$179,123Cash toward the purchase price.
Closing costs + prepaids$11,571Not just lender fees.
Before credits & paid funds$190,694The complete starting cash picture.
Estimated remaining funds due at closing
$190,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,122.84
Your down payment$179,122.84
Closing costs + prepaids$11,570.71
Total buyer cash needed$190,693.55
Remaining funds due$190,693.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.99
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)$825.50
Initial HOA (3 months)$246.99
Prepaid interest, first (25 days)$523.23
Fees + prepaids$11,570.71
Your down payment is the seller’s equity. You take over the $195,876 balance, so the rest of the $374,999 price is paid at closing. A second mortgage can cover part of it. $190,693.55 is due at closing. Uses and sources reconcile at $386,569.71 each. Not a Closing Disclosure.