Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$188,160Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$198,996The complete starting cash picture.
Estimated remaining funds due at closing
$198,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,160.14
Your down payment$188,160.14
Closing costs + prepaids$10,835.92
Total buyer cash needed$198,996.06
Remaining funds due$198,996.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$425.75
Initial HOA (3 months)$357.00
Prepaid interest, first (2 days)$28.17
Fees + prepaids$10,835.92
Your down payment is the seller’s equity. You take over the $191,840 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $198,996.06 is due at closing. Uses and sources reconcile at $390,835.92 each. Not a Closing Disclosure.