Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$180,825Cash toward the purchase price.
Closing costs + prepaids$11,660Not just lender fees.
Before credits & paid funds$192,485The complete starting cash picture.
Estimated remaining funds due at closing
$192,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,824.51
Your down payment$180,824.51
Closing costs + prepaids$11,660.44
Total buyer cash needed$192,484.95
Remaining funds due$192,484.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,588.88
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)$1,284.50
Initial HOA (3 months)$123.00
Prepaid interest, first (30 days)$439.06
Fees + prepaids$11,660.44
Your down payment is the seller’s equity. You take over the $178,063 balance, so the rest of the $358,888 price is paid at closing. A second mortgage can cover part of it. $192,484.95 is due at closing. Uses and sources reconcile at $370,548.44 each. Not a Closing Disclosure.