Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,399Cash toward the purchase price.
Closing costs + prepaids$12,172Not just lender fees.
Before credits & paid funds$64,570The complete starting cash picture.
Estimated remaining funds due at closing
$64,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,398.66
Your down payment$52,398.66
Closing costs + prepaids$12,171.66
Total buyer cash needed$64,570.32
Remaining funds due$64,570.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,895.00
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)$488.00
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$1,428.66
Fees + prepaids$12,171.66
Your down payment is the seller’s equity. You take over the $337,101 balance, so the rest of the $389,500 price is paid at closing. A second mortgage can cover part of it. $64,570.32 is due at closing. Uses and sources reconcile at $401,671.66 each. Not a Closing Disclosure.