Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,840Cash toward the purchase price.
Closing costs + prepaids$15,016Not just lender fees.
Before credits & paid funds$59,857The complete starting cash picture.
Estimated remaining funds due at closing
$59,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,840.33
Your down payment$44,840.33
Closing costs + prepaids$15,016.19
Total buyer cash needed$59,856.52
Remaining funds due$59,856.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$1,480.50
Initial HOA (3 months)$1,500.00
Prepaid interest, first (30 days)$1,920.69
Fees + prepaids$15,016.19
Your down payment is the seller’s equity. You take over the $344,160 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $59,856.52 is due at closing. Uses and sources reconcile at $404,016.19 each. Not a Closing Disclosure.