Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$100,617Cash toward the purchase price.
Closing costs + prepaids$12,003Not just lender fees.
Before credits & paid funds$112,619The complete starting cash picture.
Estimated remaining funds due at closing
$112,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,616.59
Your down payment$100,616.59
Closing costs + prepaids$12,002.75
Total buyer cash needed$112,619.34
Remaining funds due$112,619.34
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)$545.25
Initial HOA (3 months)$57.51
Prepaid interest, first (28 days)$1,424.99
Fees + prepaids$12,002.75
Your down payment is the seller’s equity. You take over the $274,383 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $112,619.34 is due at closing. Uses and sources reconcile at $387,002.75 each. Not a Closing Disclosure.