Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,246Cash toward the purchase price.
Closing costs + prepaids$12,796Not just lender fees.
Before credits & paid funds$47,042The complete starting cash picture.
Estimated remaining funds due at closing
$47,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,245.99
Your down payment$34,245.99
Closing costs + prepaids$12,795.59
Total buyer cash needed$47,041.58
Remaining funds due$47,041.58
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)$1,170.50
Prepaid interest, first (25 days)$1,650.09
Fees + prepaids$12,795.59
Your down payment is the seller’s equity. You take over the $340,754 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $47,041.58 is due at closing. Uses and sources reconcile at $387,795.59 each. Not a Closing Disclosure.