Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$187,522Cash toward the purchase price.
Closing costs + prepaids$11,523Not just lender fees.
Before credits & paid funds$199,045The complete starting cash picture.
Estimated remaining funds due at closing
$199,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,522.07
Your down payment$187,522.07
Closing costs + prepaids$11,522.73
Total buyer cash needed$199,044.80
Remaining funds due$199,044.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$909.75
Initial HOA (3 months)$216.99
Prepaid interest, first (30 days)$421.99
Fees + prepaids$11,522.73
Your down payment is the seller’s equity. You take over the $187,378 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $199,044.80 is due at closing. Uses and sources reconcile at $386,422.73 each. Not a Closing Disclosure.