Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$281,974Cash toward the purchase price.
Closing costs + prepaids$10,613Not just lender fees.
Before credits & paid funds$292,587The complete starting cash picture.
Estimated remaining funds due at closing
$292,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,974.49
Your down payment$281,974.49
Closing costs + prepaids$10,612.77
Total buyer cash needed$292,587.26
Remaining funds due$292,587.26
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)$99.00
Prepaid interest, first (9 days)$88.77
Fees + prepaids$10,612.77
Your down payment is the seller’s equity. You take over the $93,026 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $292,587.26 is due at closing. Uses and sources reconcile at $385,612.77 each. Not a Closing Disclosure.