Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$45,292Cash toward the purchase price.
Closing costs + prepaids$13,286Not just lender fees.
Before credits & paid funds$58,578The complete starting cash picture.
Estimated remaining funds due at closing
$58,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,291.79
Your down payment$45,291.79
Closing costs + prepaids$13,286.16
Total buyer cash needed$58,577.95
Remaining funds due$58,577.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$1,411.25
Initial HOA (3 months)$86.01
Prepaid interest, first (29 days)$1,713.90
Fees + prepaids$13,286.16
Your down payment is the seller’s equity. You take over the $339,708 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $58,577.95 is due at closing. Uses and sources reconcile at $398,286.16 each. Not a Closing Disclosure.