Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$171,618Cash toward the purchase price.
Closing costs + prepaids$10,713Not just lender fees.
Before credits & paid funds$182,330The complete starting cash picture.
Estimated remaining funds due at closing
$182,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,617.71
Your down payment$171,617.71
Closing costs + prepaids$10,712.64
Total buyer cash needed$182,330.35
Remaining funds due$182,330.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$510.25
Initial HOA (3 months)$156.99
Prepaid interest, first (1 days)$21.40
Fees + prepaids$10,712.64
Your down payment is the seller’s equity. You take over the $208,282 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $182,330.35 is due at closing. Uses and sources reconcile at $390,612.64 each. Not a Closing Disclosure.