Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$28,356Cash toward the purchase price.
Closing costs + prepaids$11,782Not just lender fees.
Before credits & paid funds$40,137The complete starting cash picture.
Estimated remaining funds due at closing
$40,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,355.86
Your down payment$28,355.86
Closing costs + prepaids$11,781.51
Total buyer cash needed$40,137.38
Remaining funds due$40,137.38
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)$249.75
Prepaid interest, first (24 days)$1,556.76
Fees + prepaids$11,781.51
Your down payment is the seller’s equity. You take over the $346,644 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $40,137.38 is due at closing. Uses and sources reconcile at $386,781.51 each. Not a Closing Disclosure.