Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,911Cash toward the purchase price.
Closing costs + prepaids$13,198Not just lender fees.
Before credits & paid funds$76,109The complete starting cash picture.
Estimated remaining funds due at closing
$76,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,910.90
Your down payment$62,910.90
Closing costs + prepaids$13,197.72
Total buyer cash needed$76,108.62
Remaining funds due$76,108.62
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)$1,434.75
Initial HOA (3 months)$105.00
Prepaid interest, first (27 days)$1,682.97
Fees + prepaids$13,197.72
Your down payment is the seller’s equity. You take over the $312,089 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $76,108.62 is due at closing. Uses and sources reconcile at $388,197.72 each. Not a Closing Disclosure.