Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$160,204Cash toward the purchase price.
Closing costs + prepaids$10,529Not just lender fees.
Before credits & paid funds$170,733The complete starting cash picture.
Estimated remaining funds due at closing
$170,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,204.27
Your down payment$160,204.27
Closing costs + prepaids$10,529.16
Total buyer cash needed$170,733.43
Remaining funds due$170,733.43
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 (6 days)$104.16
Fees + prepaids$10,529.16
Your down payment is the seller’s equity. You take over the $214,796 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $170,733.43 is due at closing. Uses and sources reconcile at $385,529.16 each. Not a Closing Disclosure.