Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$48,109Cash toward the purchase price.
Closing costs + prepaids$12,723Not just lender fees.
Before credits & paid funds$60,832The complete starting cash picture.
Estimated remaining funds due at closing
$60,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,108.83
Your down payment$48,108.83
Closing costs + prepaids$12,722.75
Total buyer cash needed$60,831.58
Remaining funds due$60,831.58
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)$1,251.75
Prepaid interest, first (24 days)$1,496.00
Fees + prepaids$12,722.75
Your down payment is the seller’s equity. You take over the $326,891 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $60,831.58 is due at closing. Uses and sources reconcile at $387,722.75 each. Not a Closing Disclosure.