Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$161,621Cash toward the purchase price.
Closing costs + prepaids$10,802Not just lender fees.
Before credits & paid funds$172,422The complete starting cash picture.
Estimated remaining funds due at closing
$172,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,620.64
Your down payment$161,620.64
Closing costs + prepaids$10,801.58
Total buyer cash needed$172,422.23
Remaining funds due$172,422.23
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)$449.75
Prepaid interest, first (22 days)$376.83
Fees + prepaids$10,801.58
Your down payment is the seller’s equity. You take over the $213,379 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $172,422.23 is due at closing. Uses and sources reconcile at $385,801.58 each. Not a Closing Disclosure.