Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$213,565Cash toward the purchase price.
Closing costs + prepaids$11,541Not just lender fees.
Before credits & paid funds$225,106The complete starting cash picture.
Estimated remaining funds due at closing
$225,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,565.14
Your down payment$213,565.14
Closing costs + prepaids$11,541.29
Total buyer cash needed$225,106.44
Remaining funds due$225,106.44
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)$1,210.25
Prepaid interest, first (23 days)$356.04
Fees + prepaids$11,541.29
Your down payment is the seller’s equity. You take over the $161,435 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $225,106.44 is due at closing. Uses and sources reconcile at $386,541.29 each. Not a Closing Disclosure.