Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$25,848Cash toward the purchase price.
Closing costs + prepaids$11,991Not just lender fees.
Before credits & paid funds$37,839The complete starting cash picture.
Estimated remaining funds due at closing
$37,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,847.99
Your down payment$25,847.99
Closing costs + prepaids$11,990.87
Total buyer cash needed$37,838.86
Remaining funds due$37,838.86
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)$302.25
Prepaid interest, first (26 days)$1,713.62
Fees + prepaids$11,990.87
Your down payment is the seller’s equity. You take over the $349,152 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $37,838.86 is due at closing. Uses and sources reconcile at $386,990.87 each. Not a Closing Disclosure.