Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$182,891Cash toward the purchase price.
Closing costs + prepaids$11,755Not just lender fees.
Before credits & paid funds$194,646The complete starting cash picture.
Estimated remaining funds due at closing
$194,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,891.07
Your down payment$182,891.07
Closing costs + prepaids$11,754.76
Total buyer cash needed$194,645.83
Remaining funds due$194,645.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$1,290.25
Prepaid interest, first (31 days)$590.51
Fees + prepaids$11,754.76
Your down payment is the seller’s equity. You take over the $182,009 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $194,645.83 is due at closing. Uses and sources reconcile at $376,654.76 each. Not a Closing Disclosure.