Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$327,883Cash toward the purchase price.
Closing costs + prepaids$11,098Not just lender fees.
Before credits & paid funds$338,981The complete starting cash picture.
Estimated remaining funds due at closing
$338,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,883.06
Your down payment$327,883.06
Closing costs + prepaids$11,097.57
Total buyer cash needed$338,980.62
Remaining funds due$338,980.62
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)$960.50
Initial HOA (3 months)$10.26
Prepaid interest, first (28 days)$151.81
Fees + prepaids$11,097.57
Your down payment is the seller’s equity. You take over the $47,117 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $338,980.62 is due at closing. Uses and sources reconcile at $386,097.57 each. Not a Closing Disclosure.