Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$300,666Cash toward the purchase price.
Closing costs + prepaids$10,838Not just lender fees.
Before credits & paid funds$311,504The complete starting cash picture.
Estimated remaining funds due at closing
$311,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,666.03
Your down payment$300,666.03
Closing costs + prepaids$10,838.42
Total buyer cash needed$311,504.46
Remaining funds due$311,504.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,755.00
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)$196.75
Initial HOA (3 months)$455.01
Prepaid interest, first (24 days)$206.66
Fees + prepaids$10,838.42
Your down payment is the seller’s equity. You take over the $74,834 balance, so the rest of the $375,500 price is paid at closing. A second mortgage can cover part of it. $311,504.46 is due at closing. Uses and sources reconcile at $386,338.42 each. Not a Closing Disclosure.