Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$115,843Cash toward the purchase price.
Closing costs + prepaids$11,484Not just lender fees.
Before credits & paid funds$127,327The complete starting cash picture.
Estimated remaining funds due at closing
$127,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,842.90
Your down payment$115,842.90
Closing costs + prepaids$11,484.14
Total buyer cash needed$127,327.04
Remaining funds due$127,327.04
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)$944.25
Prepaid interest, first (26 days)$564.89
Fees + prepaids$11,484.14
Your down payment is the seller’s equity. You take over the $259,157 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $127,327.04 is due at closing. Uses and sources reconcile at $386,484.14 each. Not a Closing Disclosure.