Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$113,985Cash toward the purchase price.
Closing costs + prepaids$10,911Not just lender fees.
Before credits & paid funds$124,896The complete starting cash picture.
Estimated remaining funds due at closing
$124,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,985.08
Your down payment$113,985.08
Closing costs + prepaids$10,911.09
Total buyer cash needed$124,896.17
Remaining funds due$124,896.17
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)$333.25
Prepaid interest, first (30 days)$602.84
Fees + prepaids$10,911.09
Your down payment is the seller’s equity. You take over the $261,015 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $124,896.17 is due at closing. Uses and sources reconcile at $385,911.09 each. Not a Closing Disclosure.