Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$77,494Cash toward the purchase price.
Closing costs + prepaids$11,567Not just lender fees.
Before credits & paid funds$89,061The complete starting cash picture.
Estimated remaining funds due at closing
$89,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,493.71
Your down payment$77,493.71
Closing costs + prepaids$11,567.03
Total buyer cash needed$89,060.74
Remaining funds due$89,060.74
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)$721.00
Initial HOA (3 months)$180.00
Prepaid interest, first (27 days)$691.03
Fees + prepaids$11,567.03
Your down payment is the seller’s equity. You take over the $297,506 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $89,060.74 is due at closing. Uses and sources reconcile at $386,567.03 each. Not a Closing Disclosure.