Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$60,158Cash toward the purchase price.
Closing costs + prepaids$11,134Not just lender fees.
Before credits & paid funds$71,291The complete starting cash picture.
Estimated remaining funds due at closing
$71,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,157.71
Your down payment$60,157.71
Closing costs + prepaids$11,133.75
Total buyer cash needed$71,291.46
Remaining funds due$71,291.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$898.75
Initial HOA (3 months)$8.01
Prepaid interest, first (2 days)$102.99
Fees + prepaids$11,133.75
Your down payment is the seller’s equity. You take over the $329,742 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $71,291.46 is due at closing. Uses and sources reconcile at $401,033.75 each. Not a Closing Disclosure.