Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,866Cash toward the purchase price.
Closing costs + prepaids$10,789Not just lender fees.
Before credits & paid funds$62,655The complete starting cash picture.
Estimated remaining funds due at closing
$62,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,865.79
Your down payment$51,865.79
Closing costs + prepaids$10,789.16
Total buyer cash needed$62,654.95
Remaining funds due$62,654.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,895.00
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)$488.00
Initial HOA (3 months)$135.00
Prepaid interest, first (1 days)$46.16
Fees + prepaids$10,789.16
Your down payment is the seller’s equity. You take over the $337,634 balance, so the rest of the $389,500 price is paid at closing. A second mortgage can cover part of it. $62,654.95 is due at closing. Uses and sources reconcile at $400,289.16 each. Not a Closing Disclosure.