Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$108,484Cash toward the purchase price.
Closing costs + prepaids$10,783Not just lender fees.
Before credits & paid funds$119,267The complete starting cash picture.
Estimated remaining funds due at closing
$119,267No 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$10,783.04
Total buyer cash needed$119,266.63
Remaining funds due$119,266.63
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 (10 days)$238.04
Fees + prepaids$10,783.04
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. $119,266.63 is due at closing. Uses and sources reconcile at $385,783.04 each. Not a Closing Disclosure.