Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$154,645Cash toward the purchase price.
Closing costs + prepaids$11,095Not just lender fees.
Before credits & paid funds$165,740The complete starting cash picture.
Estimated remaining funds due at closing
$165,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,645.19
Your down payment$154,645.19
Closing costs + prepaids$11,095.08
Total buyer cash needed$165,740.27
Remaining funds due$165,740.27
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)$1,015.00
Initial HOA (3 months)$82.50
Prepaid interest, first (1 days)$22.58
Fees + prepaids$11,095.08
Your down payment is the seller’s equity. You take over the $220,355 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $165,740.27 is due at closing. Uses and sources reconcile at $386,095.08 each. Not a Closing Disclosure.