Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$236,125Cash toward the purchase price.
Closing costs + prepaids$11,742Not just lender fees.
Before credits & paid funds$247,867The complete starting cash picture.
Estimated remaining funds due at closing
$247,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,125.25
Your down payment$236,125.25
Closing costs + prepaids$11,741.50
Total buyer cash needed$247,866.76
Remaining funds due$247,866.76
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)$506.25
Initial HOA (3 months)$873.99
Prepaid interest, first (27 days)$386.26
Fees + prepaids$11,741.50
Your down payment is the seller’s equity. You take over the $138,875 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $247,866.76 is due at closing. Uses and sources reconcile at $386,741.50 each. Not a Closing Disclosure.