Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$16,264Cash toward the purchase price.
Closing costs + prepaids$13,536Not just lender fees.
Before credits & paid funds$29,800The complete starting cash picture.
Estimated remaining funds due at closing
$29,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,263.68
Your down payment$16,263.68
Closing costs + prepaids$13,536.23
Total buyer cash needed$29,799.91
Remaining funds due$29,799.91
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)$1,196.50
Initial HOA (3 months)$264.99
Prepaid interest, first (28 days)$2,099.74
Fees + prepaids$13,536.23
Your down payment is the seller’s equity. You take over the $358,736 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $29,799.91 is due at closing. Uses and sources reconcile at $388,536.23 each. Not a Closing Disclosure.