Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$270,108Cash toward the purchase price.
Closing costs + prepaids$11,263Not just lender fees.
Before credits & paid funds$281,370The complete starting cash picture.
Estimated remaining funds due at closing
$281,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,107.71
Your down payment$270,107.71
Closing costs + prepaids$11,262.61
Total buyer cash needed$281,370.32
Remaining funds due$281,370.32
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)$965.75
Prepaid interest, first (28 days)$321.86
Fees + prepaids$11,262.61
Your down payment is the seller’s equity. You take over the $104,892 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $281,370.32 is due at closing. Uses and sources reconcile at $386,262.61 each. Not a Closing Disclosure.