Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$195,534Cash toward the purchase price.
Closing costs + prepaids$10,274Not just lender fees.
Before credits & paid funds$205,808The complete starting cash picture.
Estimated remaining funds due at closing
$205,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,534.19
Your down payment$195,534.19
Closing costs + prepaids$10,274.11
Total buyer cash needed$205,808.29
Remaining funds due$205,808.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$263.25
Prepaid interest, first (2 days)$36.86
Fees + prepaids$10,274.11
Your down payment is the seller’s equity. You take over the $179,366 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $205,808.29 is due at closing. Uses and sources reconcile at $385,174.11 each. Not a Closing Disclosure.