Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$166,626Cash toward the purchase price.
Closing costs + prepaids$11,256Not just lender fees.
Before credits & paid funds$177,882The complete starting cash picture.
Estimated remaining funds due at closing
$177,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,625.60
Your down payment$166,625.60
Closing costs + prepaids$11,256.43
Total buyer cash needed$177,882.03
Remaining funds due$177,882.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$230.00
Initial HOA (3 months)$144.51
Prepaid interest, first (31 days)$956.92
Fees + prepaids$11,256.43
Your down payment is the seller’s equity. You take over the $203,374 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $177,882.03 is due at closing. Uses and sources reconcile at $381,256.43 each. Not a Closing Disclosure.