Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$128,741Cash toward the purchase price.
Closing costs + prepaids$11,705Not just lender fees.
Before credits & paid funds$140,447The complete starting cash picture.
Estimated remaining funds due at closing
$140,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,741.46
Your down payment$128,741.46
Closing costs + prepaids$11,705.18
Total buyer cash needed$140,446.64
Remaining funds due$140,446.64
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)$1,017.75
Initial HOA (3 months)$87.00
Prepaid interest, first (30 days)$625.43
Fees + prepaids$11,705.18
Your down payment is the seller’s equity. You take over the $246,259 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $140,446.64 is due at closing. Uses and sources reconcile at $386,705.18 each. Not a Closing Disclosure.