Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,290Cash toward the purchase price.
Closing costs + prepaids$13,069Not just lender fees.
Before credits & paid funds$15,358The complete starting cash picture.
Estimated remaining funds due at closing
$15,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,289.66
Your down payment$2,289.66
Closing costs + prepaids$13,068.74
Total buyer cash needed$15,358.40
Remaining funds due$15,358.40
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)$695.25
Initial HOA (3 months)$480.00
Prepaid interest, first (28 days)$1,918.49
Fees + prepaids$13,068.74
Your down payment is the seller’s equity. You take over the $372,710 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $15,358.40 is due at closing. Uses and sources reconcile at $388,068.74 each. Not a Closing Disclosure.