Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$173,768Cash toward the purchase price.
Closing costs + prepaids$11,560Not just lender fees.
Before credits & paid funds$185,328The complete starting cash picture.
Estimated remaining funds due at closing
$185,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,768.44
Your down payment$173,768.44
Closing costs + prepaids$11,560.02
Total buyer cash needed$185,328.47
Remaining funds due$185,328.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$937.50
Prepaid interest, first (29 days)$647.52
Fees + prepaids$11,560.02
Your down payment is the seller’s equity. You take over the $201,232 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $185,328.47 is due at closing. Uses and sources reconcile at $386,560.02 each. Not a Closing Disclosure.