Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,064Cash toward the purchase price.
Closing costs + prepaids$12,614Not just lender fees.
Before credits & paid funds$62,678The complete starting cash picture.
Estimated remaining funds due at closing
$62,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,063.70
Your down payment$50,063.70
Closing costs + prepaids$12,614.28
Total buyer cash needed$62,677.98
Remaining funds due$62,677.98
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 (27 days)$1,701.78
Fees + prepaids$12,614.28
Your down payment is the seller’s equity. You take over the $324,936 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $62,677.98 is due at closing. Uses and sources reconcile at $387,614.28 each. Not a Closing Disclosure.