Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$51,516Cash toward the purchase price.
Closing costs + prepaids$12,081Not just lender fees.
Before credits & paid funds$63,597The complete starting cash picture.
Estimated remaining funds due at closing
$63,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,515.87
Your down payment$51,515.87
Closing costs + prepaids$12,081.41
Total buyer cash needed$63,597.27
Remaining funds due$63,597.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$234.75
Initial HOA (3 months)$432.00
Prepaid interest, first (24 days)$1,399.66
Fees + prepaids$12,081.41
Your down payment is the seller’s equity. You take over the $327,484 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $63,597.27 is due at closing. Uses and sources reconcile at $391,081.41 each. Not a Closing Disclosure.