Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$161,679Cash toward the purchase price.
Closing costs + prepaids$10,849Not just lender fees.
Before credits & paid funds$172,528The complete starting cash picture.
Estimated remaining funds due at closing
$172,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,678.62
Your down payment$161,678.62
Closing costs + prepaids$10,849.49
Total buyer cash needed$172,528.11
Remaining funds due$172,528.11
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)$219.00
Prepaid interest, first (12 days)$205.49
Fees + prepaids$10,849.49
Your down payment is the seller’s equity. You take over the $213,321 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $172,528.11 is due at closing. Uses and sources reconcile at $385,849.49 each. Not a Closing Disclosure.