Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$227,716Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$238,845The complete starting cash picture.
Estimated remaining funds due at closing
$238,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,715.56
Your down payment$227,715.56
Closing costs + prepaids$11,129.03
Total buyer cash needed$238,844.58
Remaining funds due$238,844.58
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)$766.50
Initial HOA (3 months)$71.49
Prepaid interest, first (22 days)$316.04
Fees + prepaids$11,129.03
Your down payment is the seller’s equity. You take over the $147,284 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $238,844.58 is due at closing. Uses and sources reconcile at $386,129.03 each. Not a Closing Disclosure.