Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$191,756Cash toward the purchase price.
Closing costs + prepaids$12,031Not just lender fees.
Before credits & paid funds$203,787The complete starting cash picture.
Estimated remaining funds due at closing
$203,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,756.47
Your down payment$191,756.47
Closing costs + prepaids$12,030.91
Total buyer cash needed$203,787.39
Remaining funds due$203,787.39
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)$1,323.00
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$667.92
Fees + prepaids$12,030.91
Your down payment is the seller’s equity. You take over the $187,244 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $203,787.39 is due at closing. Uses and sources reconcile at $391,030.91 each. Not a Closing Disclosure.