Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$108,484Cash toward the purchase price.
Closing costs + prepaids$10,759Not just lender fees.
Before credits & paid funds$119,243The complete starting cash picture.
Estimated remaining funds due at closing
$119,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,483.59
Your down payment$108,483.59
Closing costs + prepaids$10,759.24
Total buyer cash needed$119,242.83
Remaining funds due$119,242.83
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)$450.00
Initial HOA (3 months)$120.00
Prepaid interest, first (9 days)$214.24
Fees + prepaids$10,759.24
Your down payment is the seller’s equity. You take over the $266,516 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $119,242.83 is due at closing. Uses and sources reconcile at $385,759.24 each. Not a Closing Disclosure.