Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$167,457Cash toward the purchase price.
Closing costs + prepaids$11,180Not just lender fees.
Before credits & paid funds$178,636The complete starting cash picture.
Estimated remaining funds due at closing
$178,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,456.57
Your down payment$167,456.57
Closing costs + prepaids$11,179.91
Total buyer cash needed$178,636.48
Remaining funds due$178,636.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$590.25
Initial HOA (3 months)$60.00
Prepaid interest, first (24 days)$514.66
Fees + prepaids$11,179.91
Your down payment is the seller’s equity. You take over the $211,543 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $178,636.48 is due at closing. Uses and sources reconcile at $390,179.91 each. Not a Closing Disclosure.