Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$209,426Cash toward the purchase price.
Closing costs + prepaids$10,627Not just lender fees.
Before credits & paid funds$220,053The complete starting cash picture.
Estimated remaining funds due at closing
$220,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,426.35
Your down payment$209,426.35
Closing costs + prepaids$10,626.54
Total buyer cash needed$220,052.88
Remaining funds due$220,052.88
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)$209.25
Prepaid interest, first (26 days)$442.29
Fees + prepaids$10,626.54
Your down payment is the seller’s equity. You take over the $165,574 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $220,052.88 is due at closing. Uses and sources reconcile at $385,626.54 each. Not a Closing Disclosure.