Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$65,041Cash toward the purchase price.
Closing costs + prepaids$12,021Not just lender fees.
Before credits & paid funds$77,062The complete starting cash picture.
Estimated remaining funds due at closing
$77,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,041.09
Your down payment$65,041.09
Closing costs + prepaids$12,020.59
Total buyer cash needed$77,061.67
Remaining funds due$77,061.67
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)$316.50
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$1,499.09
Fees + prepaids$12,020.59
Your down payment is the seller’s equity. You take over the $323,959 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $77,061.67 is due at closing. Uses and sources reconcile at $401,020.59 each. Not a Closing Disclosure.