Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$187,681Cash toward the purchase price.
Closing costs + prepaids$11,354Not just lender fees.
Before credits & paid funds$199,035The complete starting cash picture.
Estimated remaining funds due at closing
$199,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,681.17
Your down payment$187,681.17
Closing costs + prepaids$11,354.19
Total buyer cash needed$199,035.35
Remaining funds due$199,035.35
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)$1,313.50
Prepaid interest, first (6 days)$115.69
Fees + prepaids$11,354.19
Your down payment is the seller’s equity. You take over the $182,319 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $199,035.35 is due at closing. Uses and sources reconcile at $381,354.19 each. Not a Closing Disclosure.