Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$62,268Cash toward the purchase price.
Closing costs + prepaids$12,883Not just lender fees.
Before credits & paid funds$75,151The complete starting cash picture.
Estimated remaining funds due at closing
$75,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,267.88
Your down payment$62,267.88
Closing costs + prepaids$12,882.65
Total buyer cash needed$75,150.53
Remaining funds due$75,150.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.99
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)$1,131.75
Initial HOA (3 months)$495.00
Prepaid interest, first (23 days)$1,280.91
Fees + prepaids$12,882.65
Your down payment is the seller’s equity. You take over the $312,731 balance, so the rest of the $374,999 price is paid at closing. A second mortgage can cover part of it. $75,150.53 is due at closing. Uses and sources reconcile at $387,881.65 each. Not a Closing Disclosure.