Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$255,122Cash toward the purchase price.
Closing costs + prepaids$11,304Not just lender fees.
Before credits & paid funds$266,426The complete starting cash picture.
Estimated remaining funds due at closing
$266,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,122.04
Your down payment$255,122.04
Closing costs + prepaids$11,304.15
Total buyer cash needed$266,426.20
Remaining funds due$266,426.20
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)$922.75
Prepaid interest, first (23 days)$406.40
Fees + prepaids$11,304.15
Your down payment is the seller’s equity. You take over the $119,878 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $266,426.20 is due at closing. Uses and sources reconcile at $386,304.15 each. Not a Closing Disclosure.