Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$44,392Cash toward the purchase price.
Closing costs + prepaids$13,118Not just lender fees.
Before credits & paid funds$57,510The complete starting cash picture.
Estimated remaining funds due at closing
$57,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,392.14
Your down payment$44,392.14
Closing costs + prepaids$13,117.56
Total buyer cash needed$57,509.70
Remaining funds due$57,509.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$983.50
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$1,834.06
Fees + prepaids$13,117.56
Your down payment is the seller’s equity. You take over the $340,608 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $57,509.70 is due at closing. Uses and sources reconcile at $398,117.56 each. Not a Closing Disclosure.