Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$75,920Cash toward the purchase price.
Closing costs + prepaids$12,961Not just lender fees.
Before credits & paid funds$88,882The complete starting cash picture.
Estimated remaining funds due at closing
$88,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,920.19
Your down payment$75,920.19
Closing costs + prepaids$12,961.44
Total buyer cash needed$88,881.63
Remaining funds due$88,881.63
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)$550.75
Initial HOA (3 months)$840.00
Prepaid interest, first (26 days)$1,595.69
Fees + prepaids$12,961.44
Your down payment is the seller’s equity. You take over the $299,080 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $88,881.63 is due at closing. Uses and sources reconcile at $387,961.44 each. Not a Closing Disclosure.