Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$191,124Cash toward the purchase price.
Closing costs + prepaids$10,718Not just lender fees.
Before credits & paid funds$201,841The complete starting cash picture.
Estimated remaining funds due at closing
$201,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,123.56
Your down payment$191,123.56
Closing costs + prepaids$10,717.59
Total buyer cash needed$201,841.15
Remaining funds due$201,841.15
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 (1 days)$14.84
Fees + prepaids$10,717.59
Your down payment is the seller’s equity. You take over the $178,776 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $201,841.15 is due at closing. Uses and sources reconcile at $380,617.59 each. Not a Closing Disclosure.