Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$143,410Cash toward the purchase price.
Closing costs + prepaids$11,268Not just lender fees.
Before credits & paid funds$154,678The complete starting cash picture.
Estimated remaining funds due at closing
$154,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,409.96
Your down payment$143,409.96
Closing costs + prepaids$11,268.17
Total buyer cash needed$154,678.13
Remaining funds due$154,678.13
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)$350.50
Initial HOA (3 months)$246.00
Prepaid interest, first (30 days)$696.67
Fees + prepaids$11,268.17
Your down payment is the seller’s equity. You take over the $231,590 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $154,678.13 is due at closing. Uses and sources reconcile at $386,268.17 each. Not a Closing Disclosure.