Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$285,869Cash toward the purchase price.
Closing costs + prepaids$11,282Not just lender fees.
Before credits & paid funds$297,151The complete starting cash picture.
Estimated remaining funds due at closing
$297,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,869.30
Your down payment$285,869.30
Closing costs + prepaids$11,281.93
Total buyer cash needed$297,151.22
Remaining funds due$297,151.22
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)$201.50
Initial HOA (3 months)$789.00
Prepaid interest, first (19 days)$316.43
Fees + prepaids$11,281.93
Your down payment is the seller’s equity. You take over the $89,131 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $297,151.22 is due at closing. Uses and sources reconcile at $386,281.93 each. Not a Closing Disclosure.