Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,057Cash toward the purchase price.
Closing costs + prepaids$12,584Not just lender fees.
Before credits & paid funds$42,641The complete starting cash picture.
Estimated remaining funds due at closing
$42,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,057.32
Your down payment$30,057.32
Closing costs + prepaids$12,583.65
Total buyer cash needed$42,640.97
Remaining funds due$42,640.97
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)$406.00
Initial HOA (3 months)$231.00
Prepaid interest, first (31 days)$1,971.65
Fees + prepaids$12,583.65
Your down payment is the seller’s equity. You take over the $344,943 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $42,640.97 is due at closing. Uses and sources reconcile at $387,583.65 each. Not a Closing Disclosure.