Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$181,987Cash toward the purchase price.
Closing costs + prepaids$10,844Not just lender fees.
Before credits & paid funds$192,831The complete starting cash picture.
Estimated remaining funds due at closing
$192,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,987.16
Your down payment$181,987.16
Closing costs + prepaids$10,843.70
Total buyer cash needed$192,830.86
Remaining funds due$192,830.86
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 (31 days)$672.45
Fees + prepaids$10,843.70
Your down payment is the seller’s equity. You take over the $195,013 balance, so the rest of the $377,000 price is paid at closing. A second mortgage can cover part of it. $192,830.86 is due at closing. Uses and sources reconcile at $387,843.70 each. Not a Closing Disclosure.