Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$191,551Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$202,638The complete starting cash picture.
Estimated remaining funds due at closing
$202,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,550.63
Your down payment$191,550.63
Closing costs + prepaids$11,087.69
Total buyer cash needed$202,638.32
Remaining funds due$202,638.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$577.75
Initial HOA (3 months)$201.00
Prepaid interest, first (26 days)$384.94
Fees + prepaids$11,087.69
Your down payment is the seller’s equity. You take over the $178,349 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $202,638.32 is due at closing. Uses and sources reconcile at $380,987.69 each. Not a Closing Disclosure.