Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$132,804Cash toward the purchase price.
Closing costs + prepaids$12,740Not just lender fees.
Before credits & paid funds$145,544The complete starting cash picture.
Estimated remaining funds due at closing
$145,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,803.62
Your down payment$132,803.62
Closing costs + prepaids$12,740.23
Total buyer cash needed$145,543.85
Remaining funds due$145,543.85
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)$2,002.25
Initial HOA (3 months)$333.00
Prepaid interest, first (18 days)$429.98
Fees + prepaids$12,740.23
Your down payment is the seller’s equity. You take over the $242,196 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $145,543.85 is due at closing. Uses and sources reconcile at $387,740.23 each. Not a Closing Disclosure.