Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$180,605Cash toward the purchase price.
Closing costs + prepaids$10,762Not just lender fees.
Before credits & paid funds$191,367The complete starting cash picture.
Estimated remaining funds due at closing
$191,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,605.08
Your down payment$180,605.08
Closing costs + prepaids$10,761.72
Total buyer cash needed$191,366.79
Remaining funds due$191,366.79
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)$264.50
Initial HOA (3 months)$174.00
Prepaid interest, first (20 days)$299.22
Fees + prepaids$10,761.72
Your down payment is the seller’s equity. You take over the $199,295 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $191,366.79 is due at closing. Uses and sources reconcile at $390,661.72 each. Not a Closing Disclosure.