Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$273,757Cash toward the purchase price.
Closing costs + prepaids$11,289Not just lender fees.
Before credits & paid funds$285,046The complete starting cash picture.
Estimated remaining funds due at closing
$285,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,757.26
Your down payment$273,757.26
Closing costs + prepaids$11,288.52
Total buyer cash needed$285,045.78
Remaining funds due$285,045.78
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)$1,059.00
Prepaid interest, first (31 days)$254.52
Fees + prepaids$11,288.52
Your down payment is the seller’s equity. You take over the $101,243 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $285,045.78 is due at closing. Uses and sources reconcile at $386,288.52 each. Not a Closing Disclosure.