Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$105,844Cash toward the purchase price.
Closing costs + prepaids$11,401Not just lender fees.
Before credits & paid funds$117,245The complete starting cash picture.
Estimated remaining funds due at closing
$117,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,844.00
Your down payment$105,844.00
Closing costs + prepaids$11,401.20
Total buyer cash needed$117,245.19
Remaining funds due$117,245.19
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)$385.50
Initial HOA (3 months)$129.99
Prepaid interest, first (19 days)$910.71
Fees + prepaids$11,401.20
Your down payment is the seller’s equity. You take over the $269,156 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $117,245.19 is due at closing. Uses and sources reconcile at $386,401.20 each. Not a Closing Disclosure.