Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$125,108Cash toward the purchase price.
Closing costs + prepaids$11,115Not just lender fees.
Before credits & paid funds$136,222The complete starting cash picture.
Estimated remaining funds due at closing
$136,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,107.57
Your down payment$125,107.57
Closing costs + prepaids$11,114.61
Total buyer cash needed$136,222.19
Remaining funds due$136,222.19
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)$431.25
Initial HOA (3 months)$314.01
Prepaid interest, first (20 days)$394.35
Fees + prepaids$11,114.61
Your down payment is the seller’s equity. You take over the $249,892 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $136,222.19 is due at closing. Uses and sources reconcile at $386,114.61 each. Not a Closing Disclosure.