Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$22,775Cash toward the purchase price.
Closing costs + prepaids$11,187Not just lender fees.
Before credits & paid funds$33,961The complete starting cash picture.
Estimated remaining funds due at closing
$33,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,774.91
Your down payment$22,774.91
Closing costs + prepaids$11,186.54
Total buyer cash needed$33,961.46
Remaining funds due$33,961.46
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)$183.99
Prepaid interest, first (9 days)$577.55
Fees + prepaids$11,186.54
Your down payment is the seller’s equity. You take over the $352,225 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $33,961.46 is due at closing. Uses and sources reconcile at $386,186.54 each. Not a Closing Disclosure.