Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$57,119Cash toward the purchase price.
Closing costs + prepaids$14,670Not just lender fees.
Before credits & paid funds$71,790The complete starting cash picture.
Estimated remaining funds due at closing
$71,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,119.39
Your down payment$57,119.39
Closing costs + prepaids$14,670.14
Total buyer cash needed$71,789.52
Remaining funds due$71,789.52
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)$1,436.75
Initial HOA (3 months)$1,554.00
Prepaid interest, first (31 days)$1,564.39
Fees + prepaids$14,670.14
Your down payment is the seller’s equity. You take over the $331,881 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $71,789.52 is due at closing. Uses and sources reconcile at $403,670.14 each. Not a Closing Disclosure.