Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$250,305Cash toward the purchase price.
Closing costs + prepaids$10,643Not just lender fees.
Before credits & paid funds$260,948The complete starting cash picture.
Estimated remaining funds due at closing
$260,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,305.33
Your down payment$250,305.33
Closing costs + prepaids$10,642.80
Total buyer cash needed$260,948.13
Remaining funds due$260,948.13
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)$299.50
Initial HOA (3 months)$39.00
Prepaid interest, first (27 days)$329.30
Fees + prepaids$10,642.80
Your down payment is the seller’s equity. You take over the $124,695 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $260,948.13 is due at closing. Uses and sources reconcile at $385,642.80 each. Not a Closing Disclosure.