Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$188,627Cash toward the purchase price.
Closing costs + prepaids$11,243Not just lender fees.
Before credits & paid funds$199,870The complete starting cash picture.
Estimated remaining funds due at closing
$199,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,626.73
Your down payment$188,626.73
Closing costs + prepaids$11,243.35
Total buyer cash needed$199,870.08
Remaining funds due$199,870.08
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 (31 days)$435.60
Fees + prepaids$11,243.35
Your down payment is the seller’s equity. You take over the $191,373 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $199,870.08 is due at closing. Uses and sources reconcile at $391,243.35 each. Not a Closing Disclosure.