Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$197,980Cash toward the purchase price.
Closing costs + prepaids$12,713Not just lender fees.
Before credits & paid funds$210,693The complete starting cash picture.
Estimated remaining funds due at closing
$210,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,979.92
Your down payment$197,979.92
Closing costs + prepaids$12,712.60
Total buyer cash needed$210,692.52
Remaining funds due$210,692.52
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)$1,374.25
Initial HOA (3 months)$816.00
Prepaid interest, first (30 days)$507.35
Fees + prepaids$12,712.60
Your down payment is the seller’s equity. You take over the $181,020 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $210,692.52 is due at closing. Uses and sources reconcile at $391,712.60 each. Not a Closing Disclosure.