Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$136,375Cash toward the purchase price.
Closing costs + prepaids$10,730Not just lender fees.
Before credits & paid funds$147,105The complete starting cash picture.
Estimated remaining funds due at closing
$147,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,375.04
Your down payment$136,375.04
Closing costs + prepaids$10,729.55
Total buyer cash needed$147,104.59
Remaining funds due$147,104.59
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)$150.00
Prepaid interest, first (6 days)$154.55
Fees + prepaids$10,729.55
Your down payment is the seller’s equity. You take over the $238,625 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $147,104.59 is due at closing. Uses and sources reconcile at $385,729.55 each. Not a Closing Disclosure.