Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$177,343Cash toward the purchase price.
Closing costs + prepaids$12,559Not just lender fees.
Before credits & paid funds$189,902The complete starting cash picture.
Estimated remaining funds due at closing
$189,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,342.96
Your down payment$177,342.96
Closing costs + prepaids$12,559.47
Total buyer cash needed$189,902.43
Remaining funds due$189,902.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$2,039.75
Initial HOA (3 months)$21.00
Prepaid interest, first (27 days)$473.72
Fees + prepaids$12,559.47
Your down payment is the seller’s equity. You take over the $202,657 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $189,902.43 is due at closing. Uses and sources reconcile at $392,559.47 each. Not a Closing Disclosure.