Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$57,072Cash toward the purchase price.
Closing costs + prepaids$11,519Not just lender fees.
Before credits & paid funds$68,591The complete starting cash picture.
Estimated remaining funds due at closing
$68,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,071.87
Your down payment$57,071.87
Closing costs + prepaids$11,518.90
Total buyer cash needed$68,590.77
Remaining funds due$68,590.77
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)$553.50
Initial HOA (3 months)$288.00
Prepaid interest, first (28 days)$702.40
Fees + prepaids$11,518.90
Your down payment is the seller’s equity. You take over the $317,928 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $68,590.77 is due at closing. Uses and sources reconcile at $386,518.90 each. Not a Closing Disclosure.