Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$178,168Cash toward the purchase price.
Closing costs + prepaids$10,777Not just lender fees.
Before credits & paid funds$188,945The complete starting cash picture.
Estimated remaining funds due at closing
$188,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,167.80
Your down payment$178,167.80
Closing costs + prepaids$10,777.01
Total buyer cash needed$188,944.80
Remaining funds due$188,944.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$456.00
Initial HOA (3 months)$276.00
Prepaid interest, first (1 days)$20.02
Fees + prepaids$10,777.01
Your down payment is the seller’s equity. You take over the $201,831 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $188,944.80 is due at closing. Uses and sources reconcile at $390,776.01 each. Not a Closing Disclosure.