Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$170,542Cash toward the purchase price.
Closing costs + prepaids$11,706Not just lender fees.
Before credits & paid funds$182,248The complete starting cash picture.
Estimated remaining funds due at closing
$182,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,542.14
Your down payment$170,542.14
Closing costs + prepaids$11,706.15
Total buyer cash needed$182,248.29
Remaining funds due$182,248.29
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)$975.00
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$546.15
Fees + prepaids$11,706.15
Your down payment is the seller’s equity. You take over the $204,458 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $182,248.29 is due at closing. Uses and sources reconcile at $386,706.15 each. Not a Closing Disclosure.