Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$169,221Cash toward the purchase price.
Closing costs + prepaids$13,012Not just lender fees.
Before credits & paid funds$182,233The complete starting cash picture.
Estimated remaining funds due at closing
$182,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,220.54
Your down payment$169,220.54
Closing costs + prepaids$13,012.17
Total buyer cash needed$182,232.71
Remaining funds due$182,232.71
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)$1,633.00
Initial HOA (3 months)$768.00
Prepaid interest, first (31 days)$636.17
Fees + prepaids$13,012.17
Your down payment is the seller’s equity. You take over the $205,779 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $182,232.71 is due at closing. Uses and sources reconcile at $388,012.17 each. Not a Closing Disclosure.