Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$181,390Cash toward the purchase price.
Closing costs + prepaids$12,778Not just lender fees.
Before credits & paid funds$194,168The complete starting cash picture.
Estimated remaining funds due at closing
$194,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,389.86
Your down payment$181,389.86
Closing costs + prepaids$12,778.17
Total buyer cash needed$194,168.03
Remaining funds due$194,168.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$1,949.25
Initial HOA (3 months)$275.01
Prepaid interest, first (31 days)$588.91
Fees + prepaids$12,778.17
Your down payment is the seller’s equity. You take over the $192,610 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $194,168.03 is due at closing. Uses and sources reconcile at $386,778.17 each. Not a Closing Disclosure.