Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$60,116Cash toward the purchase price.
Closing costs + prepaids$11,382Not just lender fees.
Before credits & paid funds$71,498The complete starting cash picture.
Estimated remaining funds due at closing
$71,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,115.84
Your down payment$60,115.84
Closing costs + prepaids$11,381.88
Total buyer cash needed$71,497.72
Remaining funds due$71,497.72
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)$580.50
Prepaid interest, first (31 days)$826.38
Fees + prepaids$11,381.88
Your down payment is the seller’s equity. You take over the $314,884 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $71,497.72 is due at closing. Uses and sources reconcile at $386,381.88 each. Not a Closing Disclosure.