Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$26,989Cash toward the purchase price.
Closing costs + prepaids$12,583Not just lender fees.
Before credits & paid funds$39,572The complete starting cash picture.
Estimated remaining funds due at closing
$39,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,989.21
Your down payment$26,989.21
Closing costs + prepaids$12,582.86
Total buyer cash needed$39,572.07
Remaining funds due$39,572.07
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)$348.00
Initial HOA (3 months)$651.00
Prepaid interest, first (26 days)$1,608.86
Fees + prepaids$12,582.86
Your down payment is the seller’s equity. You take over the $348,011 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $39,572.07 is due at closing. Uses and sources reconcile at $387,582.86 each. Not a Closing Disclosure.