Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$49,605Cash toward the purchase price.
Closing costs + prepaids$11,880Not just lender fees.
Before credits & paid funds$61,485The complete starting cash picture.
Estimated remaining funds due at closing
$61,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,605.24
Your down payment$49,605.24
Closing costs + prepaids$11,879.92
Total buyer cash needed$61,485.16
Remaining funds due$61,485.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,775.00
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)$472.00
Initial HOA (3 months)$345.00
Prepaid interest, first (17 days)$1,062.92
Fees + prepaids$11,879.92
Your down payment is the seller’s equity. You take over the $327,895 balance, so the rest of the $377,500 price is paid at closing. A second mortgage can cover part of it. $61,485.16 is due at closing. Uses and sources reconcile at $389,379.92 each. Not a Closing Disclosure.