Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,633Cash toward the purchase price.
Closing costs + prepaids$11,574Not just lender fees.
Before credits & paid funds$57,206The complete starting cash picture.
Estimated remaining funds due at closing
$57,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,632.52
Your down payment$45,632.52
Closing costs + prepaids$11,573.59
Total buyer cash needed$57,206.12
Remaining funds due$57,206.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,780.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (27 days)$1,568.59
Fees + prepaids$11,573.59
Your down payment is the seller’s equity. You take over the $332,367 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $57,206.12 is due at closing. Uses and sources reconcile at $389,573.59 each. Not a Closing Disclosure.