Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$161,647Cash toward the purchase price.
Closing costs + prepaids$10,829Not just lender fees.
Before credits & paid funds$172,476The complete starting cash picture.
Estimated remaining funds due at closing
$172,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,646.93
Your down payment$161,646.93
Closing costs + prepaids$10,829.48
Total buyer cash needed$172,476.41
Remaining funds due$172,476.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$319.75
Prepaid interest, first (31 days)$494.73
Fees + prepaids$10,829.48
Your down payment is the seller’s equity. You take over the $217,353 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $172,476.41 is due at closing. Uses and sources reconcile at $389,829.48 each. Not a Closing Disclosure.