Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$439Cash toward the purchase price.
Closing costs + prepaids$13,400Not just lender fees.
Before credits & paid funds$13,839The complete starting cash picture.
Estimated remaining funds due at closing
$13,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$438.56
Your down payment$438.56
Closing costs + prepaids$13,400.22
Total buyer cash needed$13,838.77
Remaining funds due$13,838.77
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)$1,720.50
Initial HOA (3 months)$110.01
Prepaid interest, first (28 days)$1,594.71
Fees + prepaids$13,400.22
Your down payment is the seller’s equity. You take over the $374,561 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $13,838.77 is due at closing. Uses and sources reconcile at $388,400.22 each. Not a Closing Disclosure.