Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$278,584Cash toward the purchase price.
Closing costs + prepaids$10,538Not just lender fees.
Before credits & paid funds$289,122The complete starting cash picture.
Estimated remaining funds due at closing
$289,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,583.92
Your down payment$278,583.92
Closing costs + prepaids$10,537.85
Total buyer cash needed$289,121.77
Remaining funds due$289,121.77
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 (12 days)$112.85
Fees + prepaids$10,537.85
Your down payment is the seller’s equity. You take over the $96,416 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $289,121.77 is due at closing. Uses and sources reconcile at $385,537.85 each. Not a Closing Disclosure.