Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$161,132Cash toward the purchase price.
Closing costs + prepaids$10,459Not just lender fees.
Before credits & paid funds$171,591The complete starting cash picture.
Estimated remaining funds due at closing
$171,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,131.84
Your down payment$161,131.84
Closing costs + prepaids$10,459.09
Total buyer cash needed$171,590.92
Remaining funds due$171,590.92
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)$449.75
Prepaid interest, first (2 days)$34.34
Fees + prepaids$10,459.09
Your down payment is the seller’s equity. You take over the $213,868 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $171,590.92 is due at closing. Uses and sources reconcile at $385,459.09 each. Not a Closing Disclosure.