Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$306,142Cash toward the purchase price.
Closing costs + prepaids$11,899Not just lender fees.
Before credits & paid funds$318,041The complete starting cash picture.
Estimated remaining funds due at closing
$318,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,142.26
Your down payment$306,142.26
Closing costs + prepaids$11,899.11
Total buyer cash needed$318,041.37
Remaining funds due$318,041.37
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)$1,708.25
Initial HOA (3 months)$39.00
Prepaid interest, first (25 days)$176.86
Fees + prepaids$11,899.11
Your down payment is the seller’s equity. You take over the $68,858 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $318,041.37 is due at closing. Uses and sources reconcile at $386,899.11 each. Not a Closing Disclosure.