Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$310,087Cash toward the purchase price.
Closing costs + prepaids$12,297Not just lender fees.
Before credits & paid funds$322,384The complete starting cash picture.
Estimated remaining funds due at closing
$322,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,087.44
Your down payment$310,087.44
Closing costs + prepaids$12,297.01
Total buyer cash needed$322,384.45
Remaining funds due$322,384.45
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)$450.00
Initial HOA (3 months)$1,770.00
Prepaid interest, first (12 days)$102.01
Fees + prepaids$12,297.01
Your down payment is the seller’s equity. You take over the $64,913 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $322,384.45 is due at closing. Uses and sources reconcile at $387,297.01 each. Not a Closing Disclosure.