Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$129,049Cash toward the purchase price.
Closing costs + prepaids$11,877Not just lender fees.
Before credits & paid funds$140,925The complete starting cash picture.
Estimated remaining funds due at closing
$140,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,048.51
Your down payment$129,048.51
Closing costs + prepaids$11,876.89
Total buyer cash needed$140,925.40
Remaining funds due$140,925.40
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)$978.00
Initial HOA (3 months)$195.00
Prepaid interest, first (29 days)$728.89
Fees + prepaids$11,876.89
Your down payment is the seller’s equity. You take over the $245,951 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $140,925.40 is due at closing. Uses and sources reconcile at $386,876.89 each. Not a Closing Disclosure.