Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$12,778Cash toward the purchase price.
Closing costs + prepaids$12,455Not just lender fees.
Before credits & paid funds$25,233The complete starting cash picture.
Estimated remaining funds due at closing
$25,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,777.65
Your down payment$12,777.65
Closing costs + prepaids$12,455.38
Total buyer cash needed$25,233.03
Remaining funds due$25,233.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,759.00
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)$346.75
Initial HOA (3 months)$120.00
Prepaid interest, first (31 days)$2,004.63
Fees + prepaids$12,455.38
Your down payment is the seller’s equity. You take over the $363,122 balance, so the rest of the $375,900 price is paid at closing. A second mortgage can cover part of it. $25,233.03 is due at closing. Uses and sources reconcile at $388,355.38 each. Not a Closing Disclosure.