Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$179,996Cash toward the purchase price.
Closing costs + prepaids$11,053Not just lender fees.
Before credits & paid funds$191,048The complete starting cash picture.
Estimated remaining funds due at closing
$191,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,995.83
Your down payment$179,995.83
Closing costs + prepaids$11,052.55
Total buyer cash needed$191,048.38
Remaining funds due$191,048.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,669.99
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)$333.50
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$584.06
Fees + prepaids$11,052.55
Your down payment is the seller’s equity. You take over the $187,003 balance, so the rest of the $366,999 price is paid at closing. A second mortgage can cover part of it. $191,048.38 is due at closing. Uses and sources reconcile at $378,051.55 each. Not a Closing Disclosure.