Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,148Cash toward the purchase price.
Closing costs + prepaids$12,856Not just lender fees.
Before credits & paid funds$103,004The complete starting cash picture.
Estimated remaining funds due at closing
$103,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,147.97
Your down payment$90,147.97
Closing costs + prepaids$12,855.81
Total buyer cash needed$103,003.77
Remaining funds due$103,003.77
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)$348.75
Initial HOA (3 months)$945.00
Prepaid interest, first (31 days)$1,587.06
Fees + prepaids$12,855.81
Your down payment is the seller’s equity. You take over the $284,852 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $103,003.77 is due at closing. Uses and sources reconcile at $387,855.81 each. Not a Closing Disclosure.