Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,029Cash toward the purchase price.
Closing costs + prepaids$10,355Not just lender fees.
Before credits & paid funds$38,384The complete starting cash picture.
Estimated remaining funds due at closing
$38,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,029.20
Your down payment$28,029.20
Closing costs + prepaids$10,354.60
Total buyer cash needed$38,383.80
Remaining funds due$38,383.80
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)$249.75
Prepaid interest, first (2 days)$129.85
Fees + prepaids$10,354.60
Your down payment is the seller’s equity. You take over the $346,971 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $38,383.80 is due at closing. Uses and sources reconcile at $385,354.60 each. Not a Closing Disclosure.