Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$47,022Cash toward the purchase price.
Closing costs + prepaids$13,455Not just lender fees.
Before credits & paid funds$60,477The complete starting cash picture.
Estimated remaining funds due at closing
$60,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,022.15
Your down payment$47,022.15
Closing costs + prepaids$13,454.56
Total buyer cash needed$60,476.70
Remaining funds due$60,476.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$1,501.75
Prepaid interest, first (31 days)$1,828.81
Fees + prepaids$13,454.56
Your down payment is the seller’s equity. You take over the $342,878 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $60,476.70 is due at closing. Uses and sources reconcile at $403,354.56 each. Not a Closing Disclosure.