Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$4,982Cash toward the purchase price.
Closing costs + prepaids$11,316Not just lender fees.
Before credits & paid funds$16,298The complete starting cash picture.
Estimated remaining funds due at closing
$16,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,982.09
Your down payment$4,982.09
Closing costs + prepaids$11,315.88
Total buyer cash needed$16,297.98
Remaining funds due$16,297.98
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)$649.00
Prepaid interest, first (21 days)$691.88
Fees + prepaids$11,315.88
Your down payment is the seller’s equity. You take over the $370,018 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $16,297.98 is due at closing. Uses and sources reconcile at $386,315.88 each. Not a Closing Disclosure.