Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$175,609Cash toward the purchase price.
Closing costs + prepaids$10,983Not just lender fees.
Before credits & paid funds$186,593The complete starting cash picture.
Estimated remaining funds due at closing
$186,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,609.37
Your down payment$175,609.37
Closing costs + prepaids$10,983.21
Total buyer cash needed$186,592.59
Remaining funds due$186,592.59
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)$347.50
Initial HOA (3 months)$258.99
Prepaid interest, first (23 days)$352.72
Fees + prepaids$10,983.21
Your down payment is the seller’s equity. You take over the $204,291 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $186,592.59 is due at closing. Uses and sources reconcile at $390,883.21 each. Not a Closing Disclosure.