Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$202,687Cash toward the purchase price.
Closing costs + prepaids$11,621Not just lender fees.
Before credits & paid funds$214,308The complete starting cash picture.
Estimated remaining funds due at closing
$214,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,687.46
Your down payment$202,687.46
Closing costs + prepaids$11,620.69
Total buyer cash needed$214,308.15
Remaining funds due$214,308.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$1,119.25
Initial HOA (3 months)$140.01
Prepaid interest, first (25 days)$337.43
Fees + prepaids$11,620.69
Your down payment is the seller’s equity. You take over the $177,213 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $214,308.15 is due at closing. Uses and sources reconcile at $391,520.69 each. Not a Closing Disclosure.