Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$96,924Cash toward the purchase price.
Closing costs + prepaids$12,173Not just lender fees.
Before credits & paid funds$109,097The complete starting cash picture.
Estimated remaining funds due at closing
$109,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,923.75
Your down payment$96,923.75
Closing costs + prepaids$12,173.49
Total buyer cash needed$109,097.24
Remaining funds due$109,097.24
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)$566.00
Initial HOA (3 months)$150.00
Prepaid interest, first (29 days)$1,482.49
Fees + prepaids$12,173.49
Your down payment is the seller’s equity. You take over the $278,076 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $109,097.24 is due at closing. Uses and sources reconcile at $387,173.49 each. Not a Closing Disclosure.