Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$265,589Cash toward the purchase price.
Closing costs + prepaids$10,535Not just lender fees.
Before credits & paid funds$276,124The complete starting cash picture.
Estimated remaining funds due at closing
$276,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,589.35
Your down payment$265,589.35
Closing costs + prepaids$10,535.07
Total buyer cash needed$276,124.42
Remaining funds due$276,124.42
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
Prepaid interest, first (9 days)$110.07
Fees + prepaids$10,535.07
Your down payment is the seller’s equity. You take over the $109,411 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $276,124.42 is due at closing. Uses and sources reconcile at $385,535.07 each. Not a Closing Disclosure.