Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$59,956Cash toward the purchase price.
Closing costs + prepaids$11,767Not just lender fees.
Before credits & paid funds$71,723The complete starting cash picture.
Estimated remaining funds due at closing
$71,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,956.21
Your down payment$59,956.21
Closing costs + prepaids$11,766.56
Total buyer cash needed$71,722.76
Remaining funds due$71,722.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$534.00
Initial HOA (3 months)$12.51
Prepaid interest, first (18 days)$1,105.05
Fees + prepaids$11,766.56
Your down payment is the seller’s equity. You take over the $329,044 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $71,722.76 is due at closing. Uses and sources reconcile at $400,766.56 each. Not a Closing Disclosure.