Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$92,929Cash toward the purchase price.
Closing costs + prepaids$11,688Not just lender fees.
Before credits & paid funds$104,617The complete starting cash picture.
Estimated remaining funds due at closing
$104,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,928.81
Your down payment$92,928.81
Closing costs + prepaids$11,688.44
Total buyer cash needed$104,617.24
Remaining funds due$104,617.24
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)$1,164.75
Prepaid interest, first (25 days)$548.69
Fees + prepaids$11,688.44
Your down payment is the seller’s equity. You take over the $282,071 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $104,617.24 is due at closing. Uses and sources reconcile at $386,688.44 each. Not a Closing Disclosure.