Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$18,815Cash toward the purchase price.
Closing costs + prepaids$12,672Not just lender fees.
Before credits & paid funds$31,487The complete starting cash picture.
Estimated remaining funds due at closing
$31,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,815.46
Your down payment$18,815.46
Closing costs + prepaids$12,671.57
Total buyer cash needed$31,487.03
Remaining funds due$31,487.03
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)$937.50
Initial HOA (3 months)$77.49
Prepaid interest, first (24 days)$1,681.58
Fees + prepaids$12,671.57
Your down payment is the seller’s equity. You take over the $356,185 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $31,487.03 is due at closing. Uses and sources reconcile at $387,671.57 each. Not a Closing Disclosure.