Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$132,804Cash toward the purchase price.
Closing costs + prepaids$13,003Not just lender fees.
Before credits & paid funds$145,807The complete starting cash picture.
Estimated remaining funds due at closing
$145,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,803.62
Your down payment$132,803.62
Closing costs + prepaids$13,003.00
Total buyer cash needed$145,806.62
Remaining funds due$145,806.62
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)$2,002.25
Initial HOA (3 months)$333.00
Prepaid interest, first (29 days)$692.75
Fees + prepaids$13,003.00
Your down payment is the seller’s equity. You take over the $242,196 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $145,806.62 is due at closing. Uses and sources reconcile at $388,003.00 each. Not a Closing Disclosure.