Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$183,087Cash toward the purchase price.
Closing costs + prepaids$10,785Not just lender fees.
Before credits & paid funds$193,871The complete starting cash picture.
Estimated remaining funds due at closing
$193,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,086.55
Your down payment$183,086.55
Closing costs + prepaids$10,784.64
Total buyer cash needed$193,871.19
Remaining funds due$193,871.19
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)$315.25
Prepaid interest, first (28 days)$445.39
Fees + prepaids$10,784.64
Your down payment is the seller’s equity. You take over the $196,813 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $193,871.19 is due at closing. Uses and sources reconcile at $390,684.64 each. Not a Closing Disclosure.