Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$68,590Cash toward the purchase price.
Closing costs + prepaids$11,550Not just lender fees.
Before credits & paid funds$80,140The complete starting cash picture.
Estimated remaining funds due at closing
$80,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,590.29
Your down payment$68,590.29
Closing costs + prepaids$11,549.67
Total buyer cash needed$80,139.96
Remaining funds due$80,139.96
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)$242.00
Prepaid interest, first (25 days)$1,332.67
Fees + prepaids$11,549.67
Your down payment is the seller’s equity. You take over the $306,410 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $80,139.96 is due at closing. Uses and sources reconcile at $386,549.67 each. Not a Closing Disclosure.