Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$57,204Cash toward the purchase price.
Closing costs + prepaids$11,608Not just lender fees.
Before credits & paid funds$68,812The complete starting cash picture.
Estimated remaining funds due at closing
$68,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,204.18
Your down payment$57,204.18
Closing costs + prepaids$11,608.22
Total buyer cash needed$68,812.40
Remaining funds due$68,812.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$487.50
Prepaid interest, first (15 days)$996.72
Fees + prepaids$11,608.22
Your down payment is the seller’s equity. You take over the $332,696 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $68,812.40 is due at closing. Uses and sources reconcile at $401,508.22 each. Not a Closing Disclosure.