Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$265,312Cash toward the purchase price.
Closing costs + prepaids$11,165Not just lender fees.
Before credits & paid funds$276,478The complete starting cash picture.
Estimated remaining funds due at closing
$276,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,312.49
Your down payment$265,312.49
Closing costs + prepaids$11,165.49
Total buyer cash needed$276,477.98
Remaining funds due$276,477.98
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)$1,149.50
Prepaid interest, first (2 days)$40.99
Fees + prepaids$11,165.49
Your down payment is the seller’s equity. You take over the $109,688 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $276,477.98 is due at closing. Uses and sources reconcile at $386,165.49 each. Not a Closing Disclosure.