Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$199,299Cash toward the purchase price.
Closing costs + prepaids$11,238Not just lender fees.
Before credits & paid funds$210,537The complete starting cash picture.
Estimated remaining funds due at closing
$210,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,299.26
Your down payment$199,299.26
Closing costs + prepaids$11,237.90
Total buyer cash needed$210,537.16
Remaining funds due$210,537.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$454.75
Initial HOA (3 months)$585.00
Prepaid interest, first (12 days)$183.15
Fees + prepaids$11,237.90
Your down payment is the seller’s equity. You take over the $179,701 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $210,537.16 is due at closing. Uses and sources reconcile at $390,237.90 each. Not a Closing Disclosure.