Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$44,657Cash toward the purchase price.
Closing costs + prepaids$11,313Not just lender fees.
Before credits & paid funds$55,970The complete starting cash picture.
Estimated remaining funds due at closing
$55,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,657.00
Your down payment$44,657.00
Closing costs + prepaids$11,312.88
Total buyer cash needed$55,969.88
Remaining funds due$55,969.88
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)$384.25
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$653.63
Fees + prepaids$11,312.88
Your down payment is the seller’s equity. You take over the $330,343 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $55,969.88 is due at closing. Uses and sources reconcile at $386,312.88 each. Not a Closing Disclosure.