Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$48,612Cash toward the purchase price.
Closing costs + prepaids$11,107Not just lender fees.
Before credits & paid funds$59,719The complete starting cash picture.
Estimated remaining funds due at closing
$59,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,611.83
Your down payment$48,611.83
Closing costs + prepaids$11,107.26
Total buyer cash needed$59,719.09
Remaining funds due$59,719.09
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)$468.75
Prepaid interest, first (14 days)$663.51
Fees + prepaids$11,107.26
Your down payment is the seller’s equity. You take over the $326,388 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $59,719.09 is due at closing. Uses and sources reconcile at $386,107.26 each. Not a Closing Disclosure.