Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$189,474Cash toward the purchase price.
Closing costs + prepaids$12,791Not just lender fees.
Before credits & paid funds$202,266The complete starting cash picture.
Estimated remaining funds due at closing
$202,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,474.30
Your down payment$189,474.30
Closing costs + prepaids$12,791.35
Total buyer cash needed$202,265.65
Remaining funds due$202,265.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,720.00
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)$2,481.75
Prepaid interest, first (23 days)$364.60
Fees + prepaids$12,791.35
Your down payment is the seller’s equity. You take over the $182,526 balance, so the rest of the $372,000 price is paid at closing. A second mortgage can cover part of it. $202,265.65 is due at closing. Uses and sources reconcile at $384,791.35 each. Not a Closing Disclosure.