Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$187,851Cash toward the purchase price.
Closing costs + prepaids$11,564Not just lender fees.
Before credits & paid funds$199,415The complete starting cash picture.
Estimated remaining funds due at closing
$199,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,851.32
Your down payment$187,851.32
Closing costs + prepaids$11,563.83
Total buyer cash needed$199,415.15
Remaining funds due$199,415.15
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)$804.75
Initial HOA (3 months)$729.00
Prepaid interest, first (1 days)$15.08
Fees + prepaids$11,563.83
Your down payment is the seller’s equity. You take over the $191,149 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $199,415.15 is due at closing. Uses and sources reconcile at $390,563.83 each. Not a Closing Disclosure.