Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$178,224Cash toward the purchase price.
Closing costs + prepaids$10,943Not just lender fees.
Before credits & paid funds$189,167The complete starting cash picture.
Estimated remaining funds due at closing
$189,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,223.80
Your down payment$178,223.80
Closing costs + prepaids$10,943.40
Total buyer cash needed$189,167.20
Remaining funds due$189,167.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,629.00
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)$435.50
Initial HOA (3 months)$306.00
Prepaid interest, first (18 days)$347.90
Fees + prepaids$10,943.40
Your down payment is the seller’s equity. You take over the $184,676 balance, so the rest of the $362,900 price is paid at closing. A second mortgage can cover part of it. $189,167.20 is due at closing. Uses and sources reconcile at $373,843.40 each. Not a Closing Disclosure.