Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$181,553Cash toward the purchase price.
Closing costs + prepaids$10,215Not just lender fees.
Before credits & paid funds$191,768The complete starting cash picture.
Estimated remaining funds due at closing
$191,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,552.99
Your down payment$181,552.99
Closing costs + prepaids$10,214.73
Total buyer cash needed$191,767.72
Remaining funds due$191,767.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,770.00
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)$176.25
Prepaid interest, first (2 days)$43.48
Fees + prepaids$10,214.73
Your down payment is the seller’s equity. You take over the $195,447 balance, so the rest of the $377,000 price is paid at closing. A second mortgage can cover part of it. $191,767.72 is due at closing. Uses and sources reconcile at $387,214.73 each. Not a Closing Disclosure.