Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$211,941Cash toward the purchase price.
Closing costs + prepaids$11,245Not just lender fees.
Before credits & paid funds$223,185The complete starting cash picture.
Estimated remaining funds due at closing
$223,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,940.82
Your down payment$211,940.82
Closing costs + prepaids$11,244.59
Total buyer cash needed$223,185.41
Remaining funds due$223,185.41
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)$1,251.50
Prepaid interest, first (1 days)$18.09
Fees + prepaids$11,244.59
Your down payment is the seller’s equity. You take over the $163,059 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $223,185.41 is due at closing. Uses and sources reconcile at $386,244.59 each. Not a Closing Disclosure.