Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$179,787Cash toward the purchase price.
Closing costs + prepaids$11,844Not just lender fees.
Before credits & paid funds$191,631The complete starting cash picture.
Estimated remaining funds due at closing
$191,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,787.11
Your down payment$179,787.11
Closing costs + prepaids$11,844.19
Total buyer cash needed$191,631.30
Remaining funds due$191,631.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,580.00
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)$1,034.75
Initial HOA (3 months)$474.00
Prepaid interest, first (28 days)$530.44
Fees + prepaids$11,844.19
Your down payment is the seller’s equity. You take over the $178,213 balance, so the rest of the $358,000 price is paid at closing. A second mortgage can cover part of it. $191,631.30 is due at closing. Uses and sources reconcile at $369,844.19 each. Not a Closing Disclosure.