Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$148,816Cash toward the purchase price.
Closing costs + prepaids$11,658Not just lender fees.
Before credits & paid funds$160,474The complete starting cash picture.
Estimated remaining funds due at closing
$160,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,816.44
Your down payment$148,816.44
Closing costs + prepaids$11,657.98
Total buyer cash needed$160,474.42
Remaining funds due$160,474.42
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)$937.50
Prepaid interest, first (30 days)$745.48
Fees + prepaids$11,657.98
Your down payment is the seller’s equity. You take over the $226,184 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $160,474.42 is due at closing. Uses and sources reconcile at $386,657.98 each. Not a Closing Disclosure.