Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$338,859Cash toward the purchase price.
Closing costs + prepaids$10,784Not just lender fees.
Before credits & paid funds$349,643The complete starting cash picture.
Estimated remaining funds due at closing
$349,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,859.47
Your down payment$338,859.47
Closing costs + prepaids$10,784.00
Total buyer cash needed$349,643.46
Remaining funds due$349,643.46
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)$540.00
Initial HOA (3 months)$165.00
Prepaid interest, first (27 days)$104.00
Fees + prepaids$10,784.00
Your down payment is the seller’s equity. You take over the $36,141 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $349,643.46 is due at closing. Uses and sources reconcile at $385,784.00 each. Not a Closing Disclosure.