Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$254,587Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$265,503The complete starting cash picture.
Estimated remaining funds due at closing
$265,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,587.22
Your down payment$254,587.22
Closing costs + prepaids$10,915.50
Total buyer cash needed$265,502.72
Remaining funds due$265,502.72
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)$922.75
Prepaid interest, first (1 days)$17.75
Fees + prepaids$10,915.50
Your down payment is the seller’s equity. You take over the $120,413 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $265,502.72 is due at closing. Uses and sources reconcile at $385,915.50 each. Not a Closing Disclosure.