Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$61,668Cash toward the purchase price.
Closing costs + prepaids$10,888Not just lender fees.
Before credits & paid funds$72,556The complete starting cash picture.
Estimated remaining funds due at closing
$72,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,667.55
Your down payment$61,667.55
Closing costs + prepaids$10,888.31
Total buyer cash needed$72,555.86
Remaining funds due$72,555.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$529.00
Initial HOA (3 months)$171.99
Prepaid interest, first (2 days)$112.32
Fees + prepaids$10,888.31
Your down payment is the seller’s equity. You take over the $323,332 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $72,555.86 is due at closing. Uses and sources reconcile at $395,888.31 each. Not a Closing Disclosure.