Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$235,854Cash toward the purchase price.
Closing costs + prepaids$11,384Not just lender fees.
Before credits & paid funds$247,237The complete starting cash picture.
Estimated remaining funds due at closing
$247,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,853.55
Your down payment$235,853.55
Closing costs + prepaids$11,383.91
Total buyer cash needed$247,237.46
Remaining funds due$247,237.46
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 (2 days)$28.67
Fees + prepaids$11,383.91
Your down payment is the seller’s equity. You take over the $139,146 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $247,237.46 is due at closing. Uses and sources reconcile at $386,383.91 each. Not a Closing Disclosure.