Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$55,252Cash toward the purchase price.
Closing costs + prepaids$12,054Not just lender fees.
Before credits & paid funds$67,306The complete starting cash picture.
Estimated remaining funds due at closing
$67,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,252.26
Your down payment$55,252.26
Closing costs + prepaids$12,053.85
Total buyer cash needed$67,306.12
Remaining funds due$67,306.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$456.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (12 days)$298.85
Fees + prepaids$12,053.85
Your down payment is the seller’s equity. You take over the $324,648 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $67,306.12 is due at closing. Uses and sources reconcile at $391,953.85 each. Not a Closing Disclosure.