Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$302,006Cash toward the purchase price.
Closing costs + prepaids$11,307Not just lender fees.
Before credits & paid funds$313,314The complete starting cash picture.
Estimated remaining funds due at closing
$313,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,006.42
Your down payment$302,006.42
Closing costs + prepaids$11,307.45
Total buyer cash needed$313,313.87
Remaining funds due$313,313.87
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)$937.50
Prepaid interest, first (29 days)$394.95
Fees + prepaids$11,307.45
Your down payment is the seller’s equity. You take over the $72,994 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $313,313.87 is due at closing. Uses and sources reconcile at $386,307.45 each. Not a Closing Disclosure.