Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,373Cash toward the purchase price.
Closing costs + prepaids$12,588Not just lender fees.
Before credits & paid funds$71,961The complete starting cash picture.
Estimated remaining funds due at closing
$71,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,372.61
Your down payment$59,372.61
Closing costs + prepaids$12,588.26
Total buyer cash needed$71,960.87
Remaining funds due$71,960.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.99
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)$975.00
Prepaid interest, first (31 days)$1,488.27
Fees + prepaids$12,588.26
Your down payment is the seller’s equity. You take over the $330,626 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $71,960.87 is due at closing. Uses and sources reconcile at $402,587.26 each. Not a Closing Disclosure.