Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$83,292Cash toward the purchase price.
Closing costs + prepaids$11,354Not just lender fees.
Before credits & paid funds$94,646The complete starting cash picture.
Estimated remaining funds due at closing
$94,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,291.79
Your down payment$83,291.79
Closing costs + prepaids$11,354.05
Total buyer cash needed$94,645.84
Remaining funds due$94,645.84
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)$1,044.50
Initial HOA (3 months)$285.00
Prepaid interest, first (2 days)$49.55
Fees + prepaids$11,354.05
Your down payment is the seller’s equity. You take over the $291,708 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $94,645.84 is due at closing. Uses and sources reconcile at $386,354.05 each. Not a Closing Disclosure.