Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,197Cash toward the purchase price.
Closing costs + prepaids$13,002Not just lender fees.
Before credits & paid funds$73,199The complete starting cash picture.
Estimated remaining funds due at closing
$73,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,197.03
Your down payment$60,197.03
Closing costs + prepaids$13,001.90
Total buyer cash needed$73,198.93
Remaining funds due$73,198.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,755.00
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)$1,406.75
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$1,590.16
Fees + prepaids$13,001.90
Your down payment is the seller’s equity. You take over the $315,303 balance, so the rest of the $375,500 price is paid at closing. A second mortgage can cover part of it. $73,198.93 is due at closing. Uses and sources reconcile at $388,501.90 each. Not a Closing Disclosure.