Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$177,641Cash toward the purchase price.
Closing costs + prepaids$12,337Not just lender fees.
Before credits & paid funds$189,978The complete starting cash picture.
Estimated remaining funds due at closing
$189,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,640.62
Your down payment$177,640.62
Closing costs + prepaids$12,337.24
Total buyer cash needed$189,977.86
Remaining funds due$189,977.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$851.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (29 days)$537.24
Fees + prepaids$12,337.24
Your down payment is the seller’s equity. You take over the $182,259 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $189,977.86 is due at closing. Uses and sources reconcile at $372,237.24 each. Not a Closing Disclosure.