Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$164,680Cash toward the purchase price.
Closing costs + prepaids$11,151Not just lender fees.
Before credits & paid funds$175,831The complete starting cash picture.
Estimated remaining funds due at closing
$175,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,679.97
Your down payment$164,679.97
Closing costs + prepaids$11,150.73
Total buyer cash needed$175,830.70
Remaining funds due$175,830.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,760.00
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)$257.75
Initial HOA (3 months)$345.00
Prepaid interest, first (26 days)$562.98
Fees + prepaids$11,150.73
Your down payment is the seller’s equity. You take over the $211,320 balance, so the rest of the $376,000 price is paid at closing. A second mortgage can cover part of it. $175,830.70 is due at closing. Uses and sources reconcile at $387,150.73 each. Not a Closing Disclosure.