Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$182,276Cash toward the purchase price.
Closing costs + prepaids$10,265Not just lender fees.
Before credits & paid funds$192,541The complete starting cash picture.
Estimated remaining funds due at closing
$192,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,275.58
Your down payment$182,275.58
Closing costs + prepaids$10,265.33
Total buyer cash needed$192,540.91
Remaining funds due$192,540.91
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)$223.75
Prepaid interest, first (1 days)$16.58
Fees + prepaids$10,265.33
Your down payment is the seller’s equity. You take over the $197,724 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $192,540.91 is due at closing. Uses and sources reconcile at $390,265.33 each. Not a Closing Disclosure.