Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$17,141Cash toward the purchase price.
Closing costs + prepaids$14,142Not just lender fees.
Before credits & paid funds$31,283The complete starting cash picture.
Estimated remaining funds due at closing
$31,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,140.56
Your down payment$17,140.56
Closing costs + prepaids$14,142.20
Total buyer cash needed$31,282.76
Remaining funds due$31,282.76
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)$1,585.00
Initial HOA (3 months)$798.00
Prepaid interest, first (27 days)$1,784.20
Fees + prepaids$14,142.20
Your down payment is the seller’s equity. You take over the $357,859 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $31,282.76 is due at closing. Uses and sources reconcile at $389,142.20 each. Not a Closing Disclosure.