Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$189,611Cash toward the purchase price.
Closing costs + prepaids$10,715Not just lender fees.
Before credits & paid funds$200,326The complete starting cash picture.
Estimated remaining funds due at closing
$200,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,610.81
Your down payment$189,610.81
Closing costs + prepaids$10,714.85
Total buyer cash needed$200,325.67
Remaining funds due$200,325.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$432.00
Initial HOA (3 months)$294.00
Prepaid interest, first (9 days)$163.85
Fees + prepaids$10,714.85
Your down payment is the seller’s equity. You take over the $170,389 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $200,325.67 is due at closing. Uses and sources reconcile at $370,714.85 each. Not a Closing Disclosure.