Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,255Cash toward the purchase price.
Closing costs + prepaids$13,191Not just lender fees.
Before credits & paid funds$94,446The complete starting cash picture.
Estimated remaining funds due at closing
$94,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,255.49
Your down payment$81,255.49
Closing costs + prepaids$13,190.81
Total buyer cash needed$94,446.29
Remaining funds due$94,446.29
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)$2,486.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$698.55
Fees + prepaids$13,190.81
Your down payment is the seller’s equity. You take over the $293,745 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $94,446.29 is due at closing. Uses and sources reconcile at $388,190.81 each. Not a Closing Disclosure.