Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$5,989Cash toward the purchase price.
Closing costs + prepaids$13,712Not just lender fees.
Before credits & paid funds$19,701The complete starting cash picture.
Estimated remaining funds due at closing
$19,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,988.65
Your down payment$5,988.65
Closing costs + prepaids$13,712.08
Total buyer cash needed$19,700.73
Remaining funds due$19,700.73
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)$1,484.25
Initial HOA (3 months)$244.50
Prepaid interest, first (29 days)$2,008.33
Fees + prepaids$13,712.08
Your down payment is the seller’s equity. You take over the $369,011 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $19,700.73 is due at closing. Uses and sources reconcile at $388,712.08 each. Not a Closing Disclosure.