Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,094Cash toward the purchase price.
Closing costs + prepaids$11,789Not just lender fees.
Before credits & paid funds$53,883The complete starting cash picture.
Estimated remaining funds due at closing
$53,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,094.12
Your down payment$42,094.12
Closing costs + prepaids$11,789.26
Total buyer cash needed$53,883.38
Remaining funds due$53,883.38
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)$218.50
Prepaid interest, first (27 days)$1,595.76
Fees + prepaids$11,789.26
Your down payment is the seller’s equity. You take over the $332,906 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $53,883.38 is due at closing. Uses and sources reconcile at $386,789.26 each. Not a Closing Disclosure.