Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$136,375Cash toward the purchase price.
Closing costs + prepaids$11,362Not just lender fees.
Before credits & paid funds$147,737The complete starting cash picture.
Estimated remaining funds due at closing
$147,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,375.04
Your down payment$136,375.04
Closing costs + prepaids$11,361.95
Total buyer cash needed$147,737.00
Remaining funds due$147,737.00
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)$618.75
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$618.20
Fees + prepaids$11,361.95
Your down payment is the seller’s equity. You take over the $238,625 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $147,737.00 is due at closing. Uses and sources reconcile at $386,361.95 each. Not a Closing Disclosure.