Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$52,667Cash toward the purchase price.
Closing costs + prepaids$13,958Not just lender fees.
Before credits & paid funds$66,625The complete starting cash picture.
Estimated remaining funds due at closing
$66,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,666.66
Your down payment$52,666.66
Closing costs + prepaids$13,958.26
Total buyer cash needed$66,624.91
Remaining funds due$66,624.91
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)$937.50
Initial HOA (3 months)$1,329.00
Prepaid interest, first (30 days)$1,716.76
Fees + prepaids$13,958.26
Your down payment is the seller’s equity. You take over the $322,333 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $66,624.91 is due at closing. Uses and sources reconcile at $388,958.26 each. Not a Closing Disclosure.