Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$55,444Cash toward the purchase price.
Closing costs + prepaids$13,905Not just lender fees.
Before credits & paid funds$69,348The complete starting cash picture.
Estimated remaining funds due at closing
$69,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,443.54
Your down payment$55,443.54
Closing costs + prepaids$13,904.75
Total buyer cash needed$69,348.30
Remaining funds due$69,348.30
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)$2,449.25
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$1,455.51
Fees + prepaids$13,904.75
Your down payment is the seller’s equity. You take over the $319,556 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $69,348.30 is due at closing. Uses and sources reconcile at $388,904.75 each. Not a Closing Disclosure.