Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,485Cash toward the purchase price.
Closing costs + prepaids$12,861Not just lender fees.
Before credits & paid funds$51,346The complete starting cash picture.
Estimated remaining funds due at closing
$51,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,484.90
Your down payment$38,484.90
Closing costs + prepaids$12,861.37
Total buyer cash needed$51,346.27
Remaining funds due$51,346.27
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)$324.50
Initial HOA (3 months)$1,119.00
Prepaid interest, first (25 days)$1,442.87
Fees + prepaids$12,861.37
Your down payment is the seller’s equity. You take over the $336,515 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $51,346.27 is due at closing. Uses and sources reconcile at $387,861.37 each. Not a Closing Disclosure.