Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,505Cash toward the purchase price.
Closing costs + prepaids$14,611Not just lender fees.
Before credits & paid funds$39,116The complete starting cash picture.
Estimated remaining funds due at closing
$39,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,504.90
Your down payment$24,504.90
Closing costs + prepaids$14,610.94
Total buyer cash needed$39,115.84
Remaining funds due$39,115.84
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)$937.50
Initial HOA (3 months)$2,061.00
Prepaid interest, first (28 days)$1,637.44
Fees + prepaids$14,610.94
Your down payment is the seller’s equity. You take over the $350,495 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $39,115.84 is due at closing. Uses and sources reconcile at $389,610.94 each. Not a Closing Disclosure.