Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$58,169Cash toward the purchase price.
Closing costs + prepaids$12,674Not just lender fees.
Before credits & paid funds$70,843The complete starting cash picture.
Estimated remaining funds due at closing
$70,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,168.63
Your down payment$58,168.63
Closing costs + prepaids$12,674.50
Total buyer cash needed$70,843.13
Remaining funds due$70,843.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$832.75
Initial HOA (3 months)$58.26
Prepaid interest, first (30 days)$1,608.49
Fees + prepaids$12,674.50
Your down payment is the seller’s equity. You take over the $336,831 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $70,843.13 is due at closing. Uses and sources reconcile at $407,674.50 each. Not a Closing Disclosure.