Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$57,881Cash toward the purchase price.
Closing costs + prepaids$11,589Not just lender fees.
Before credits & paid funds$69,470The complete starting cash picture.
Estimated remaining funds due at closing
$69,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,880.96
Your down payment$57,880.96
Closing costs + prepaids$11,589.00
Total buyer cash needed$69,469.96
Remaining funds due$69,469.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$749.00
Prepaid interest, first (25 days)$665.00
Fees + prepaids$11,589.00
Your down payment is the seller’s equity. You take over the $337,119 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $69,469.96 is due at closing. Uses and sources reconcile at $406,589.00 each. Not a Closing Disclosure.