Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$172,097Cash toward the purchase price.
Closing costs + prepaids$10,850Not just lender fees.
Before credits & paid funds$182,947The complete starting cash picture.
Estimated remaining funds due at closing
$182,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,096.82
Your down payment$172,096.82
Closing costs + prepaids$10,850.49
Total buyer cash needed$182,947.30
Remaining funds due$182,947.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$456.00
Initial HOA (3 months)$156.99
Prepaid interest, first (10 days)$213.50
Fees + prepaids$10,850.49
Your down payment is the seller’s equity. You take over the $207,803 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $182,947.30 is due at closing. Uses and sources reconcile at $390,750.49 each. Not a Closing Disclosure.