Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$96,175Cash toward the purchase price.
Closing costs + prepaids$12,147Not just lender fees.
Before credits & paid funds$108,321The complete starting cash picture.
Estimated remaining funds due at closing
$108,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,174.59
Your down payment$96,174.59
Closing costs + prepaids$12,146.60
Total buyer cash needed$108,321.19
Remaining funds due$108,321.19
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)$1,375.50
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$571.10
Fees + prepaids$12,146.60
Your down payment is the seller’s equity. You take over the $278,825 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $108,321.19 is due at closing. Uses and sources reconcile at $387,146.60 each. Not a Closing Disclosure.