Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$67,803Cash toward the purchase price.
Closing costs + prepaids$12,477Not just lender fees.
Before credits & paid funds$80,281The complete starting cash picture.
Estimated remaining funds due at closing
$80,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,803.06
Your down payment$67,803.06
Closing costs + prepaids$12,477.44
Total buyer cash needed$80,280.50
Remaining funds due$80,280.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$502.25
Initial HOA (3 months)$336.00
Prepaid interest, first (30 days)$1,624.19
Fees + prepaids$12,477.44
Your down payment is the seller’s equity. You take over the $311,197 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $80,280.50 is due at closing. Uses and sources reconcile at $391,477.44 each. Not a Closing Disclosure.