Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,662Cash toward the purchase price.
Closing costs + prepaids$13,405Not just lender fees.
Before credits & paid funds$35,067The complete starting cash picture.
Estimated remaining funds due at closing
$35,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,661.94
Your down payment$21,661.94
Closing costs + prepaids$13,404.75
Total buyer cash needed$35,066.69
Remaining funds due$35,066.69
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)$1,181.50
Initial HOA (3 months)$450.00
Prepaid interest, first (27 days)$1,798.25
Fees + prepaids$13,404.75
Your down payment is the seller’s equity. You take over the $353,338 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $35,066.69 is due at closing. Uses and sources reconcile at $388,404.75 each. Not a Closing Disclosure.