Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$172,097Cash toward the purchase price.
Closing costs + prepaids$11,118Not just lender fees.
Before credits & paid funds$183,215The complete starting cash picture.
Estimated remaining funds due at closing
$183,215No 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$11,118.23
Total buyer cash needed$183,215.05
Remaining funds due$183,215.05
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)$510.25
Initial HOA (3 months)$156.99
Prepaid interest, first (20 days)$426.99
Fees + prepaids$11,118.23
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. $183,215.05 is due at closing. Uses and sources reconcile at $391,018.23 each. Not a Closing Disclosure.