Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$263,051Cash toward the purchase price.
Closing costs + prepaids$10,611Not just lender fees.
Before credits & paid funds$273,662The complete starting cash picture.
Estimated remaining funds due at closing
$273,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,051.21
Your down payment$263,051.21
Closing costs + prepaids$10,611.14
Total buyer cash needed$273,662.35
Remaining funds due$273,662.35
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)$345.50
Prepaid interest, first (23 days)$290.64
Fees + prepaids$10,611.14
Your down payment is the seller’s equity. You take over the $111,949 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $273,662.35 is due at closing. Uses and sources reconcile at $385,611.14 each. Not a Closing Disclosure.