Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$71,747Cash toward the purchase price.
Closing costs + prepaids$12,446Not just lender fees.
Before credits & paid funds$84,193The complete starting cash picture.
Estimated remaining funds due at closing
$84,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,747.32
Your down payment$71,747.32
Closing costs + prepaids$12,446.15
Total buyer cash needed$84,193.47
Remaining funds due$84,193.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,854.00
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)$510.00
Initial HOA (3 months)$75.00
Prepaid interest, first (31 days)$1,782.15
Fees + prepaids$12,446.15
Your down payment is the seller’s equity. You take over the $313,653 balance, so the rest of the $385,400 price is paid at closing. A second mortgage can cover part of it. $84,193.47 is due at closing. Uses and sources reconcile at $397,846.15 each. Not a Closing Disclosure.