Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$55,784Cash toward the purchase price.
Closing costs + prepaids$11,625Not just lender fees.
Before credits & paid funds$67,409The complete starting cash picture.
Estimated remaining funds due at closing
$67,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,783.64
Your down payment$55,783.64
Closing costs + prepaids$11,624.88
Total buyer cash needed$67,408.52
Remaining funds due$67,408.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$402.25
Initial HOA (3 months)$176.76
Prepaid interest, first (18 days)$970.87
Fees + prepaids$11,624.88
Your down payment is the seller’s equity. You take over the $329,216 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $67,408.52 is due at closing. Uses and sources reconcile at $396,624.88 each. Not a Closing Disclosure.