Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$285,778Cash toward the purchase price.
Closing costs + prepaids$10,982Not just lender fees.
Before credits & paid funds$296,760The complete starting cash picture.
Estimated remaining funds due at closing
$296,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,778.16
Your down payment$285,778.16
Closing costs + prepaids$10,982.17
Total buyer cash needed$296,760.33
Remaining funds due$296,760.33
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)$201.50
Initial HOA (3 months)$789.00
Prepaid interest, first (1 days)$16.67
Fees + prepaids$10,982.17
Your down payment is the seller’s equity. You take over the $89,222 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $296,760.33 is due at closing. Uses and sources reconcile at $385,982.17 each. Not a Closing Disclosure.