Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$241,008Cash toward the purchase price.
Closing costs + prepaids$11,225Not just lender fees.
Before credits & paid funds$252,233The complete starting cash picture.
Estimated remaining funds due at closing
$252,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,008.19
Your down payment$241,008.19
Closing costs + prepaids$11,224.52
Total buyer cash needed$252,232.71
Remaining funds due$252,232.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$937.25
Prepaid interest, first (28 days)$313.27
Fees + prepaids$11,224.52
Your down payment is the seller’s equity. You take over the $133,892 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $252,232.71 is due at closing. Uses and sources reconcile at $386,124.52 each. Not a Closing Disclosure.