Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$188,436Cash toward the purchase price.
Closing costs + prepaids$11,325Not just lender fees.
Before credits & paid funds$199,761The complete starting cash picture.
Estimated remaining funds due at closing
$199,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,435.93
Your down payment$188,435.93
Closing costs + prepaids$11,324.91
Total buyer cash needed$199,760.84
Remaining funds due$199,760.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,795.00
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)$948.75
Prepaid interest, first (18 days)$356.16
Fees + prepaids$11,324.91
Your down payment is the seller’s equity. You take over the $191,064 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $199,760.84 is due at closing. Uses and sources reconcile at $390,824.91 each. Not a Closing Disclosure.