Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$231,562Cash toward the purchase price.
Closing costs + prepaids$10,943Not just lender fees.
Before credits & paid funds$242,505The complete starting cash picture.
Estimated remaining funds due at closing
$242,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,561.60
Your down payment$231,561.60
Closing costs + prepaids$10,943.31
Total buyer cash needed$242,504.91
Remaining funds due$242,504.91
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 (2 days)$30.81
Fees + prepaids$10,943.31
Your down payment is the seller’s equity. You take over the $143,438 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $242,504.91 is due at closing. Uses and sources reconcile at $385,943.31 each. Not a Closing Disclosure.