Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$56,727Cash toward the purchase price.
Closing costs + prepaids$12,057Not just lender fees.
Before credits & paid funds$68,784The complete starting cash picture.
Estimated remaining funds due at closing
$68,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,726.95
Your down payment$56,726.95
Closing costs + prepaids$12,057.17
Total buyer cash needed$68,784.11
Remaining funds due$68,784.11
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)$527.50
Initial HOA (3 months)$22.50
Prepaid interest, first (26 days)$1,492.17
Fees + prepaids$12,057.17
Your down payment is the seller’s equity. You take over the $322,273 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $68,784.11 is due at closing. Uses and sources reconcile at $391,057.17 each. Not a Closing Disclosure.