Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$215,303Cash toward the purchase price.
Closing costs + prepaids$11,231Not just lender fees.
Before credits & paid funds$226,534The complete starting cash picture.
Estimated remaining funds due at closing
$226,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,303.16
Your down payment$215,303.16
Closing costs + prepaids$11,231.09
Total buyer cash needed$226,534.25
Remaining funds due$226,534.25
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)$787.75
Initial HOA (3 months)$75.00
Prepaid interest, first (29 days)$393.34
Fees + prepaids$11,231.09
Your down payment is the seller’s equity. You take over the $159,697 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $226,534.25 is due at closing. Uses and sources reconcile at $386,231.09 each. Not a Closing Disclosure.