Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$167,205Cash toward the purchase price.
Closing costs + prepaids$10,639Not just lender fees.
Before credits & paid funds$177,845The complete starting cash picture.
Estimated remaining funds due at closing
$177,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,205.10
Your down payment$167,205.10
Closing costs + prepaids$10,639.45
Total buyer cash needed$177,844.55
Remaining funds due$177,844.55
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)$257.75
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$21.70
Fees + prepaids$10,639.45
Your down payment is the seller’s equity. You take over the $211,795 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $177,844.55 is due at closing. Uses and sources reconcile at $389,639.45 each. Not a Closing Disclosure.