Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$64,373Cash toward the purchase price.
Closing costs + prepaids$13,012Not just lender fees.
Before credits & paid funds$77,385The complete starting cash picture.
Estimated remaining funds due at closing
$77,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,373.30
Your down payment$64,373.30
Closing costs + prepaids$13,011.55
Total buyer cash needed$77,384.85
Remaining funds due$77,384.85
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)$1,303.00
Prepaid interest, first (30 days)$1,733.55
Fees + prepaids$13,011.55
Your down payment is the seller’s equity. You take over the $310,627 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $77,384.85 is due at closing. Uses and sources reconcile at $388,011.55 each. Not a Closing Disclosure.