Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,108Cash toward the purchase price.
Closing costs + prepaids$11,253Not just lender fees.
Before credits & paid funds$136,360The complete starting cash picture.
Estimated remaining funds due at closing
$136,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,107.57
Your down payment$125,107.57
Closing costs + prepaids$11,252.63
Total buyer cash needed$136,360.21
Remaining funds due$136,360.21
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)$431.25
Initial HOA (3 months)$314.01
Prepaid interest, first (27 days)$532.37
Fees + prepaids$11,252.63
Your down payment is the seller’s equity. You take over the $249,892 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $136,360.21 is due at closing. Uses and sources reconcile at $386,252.63 each. Not a Closing Disclosure.