Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$281,974Cash toward the purchase price.
Closing costs + prepaids$10,621Not just lender fees.
Before credits & paid funds$292,596The complete starting cash picture.
Estimated remaining funds due at closing
$292,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,974.49
Your down payment$281,974.49
Closing costs + prepaids$10,621.26
Total buyer cash needed$292,595.75
Remaining funds due$292,595.75
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)$241.50
Initial HOA (3 months)$99.00
Prepaid interest, first (31 days)$305.76
Fees + prepaids$10,621.26
Your down payment is the seller’s equity. You take over the $93,026 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $292,595.75 is due at closing. Uses and sources reconcile at $385,621.26 each. Not a Closing Disclosure.