Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$53,903Cash toward the purchase price.
Closing costs + prepaids$13,394Not just lender fees.
Before credits & paid funds$67,297The complete starting cash picture.
Estimated remaining funds due at closing
$67,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,902.65
Your down payment$53,902.65
Closing costs + prepaids$13,394.34
Total buyer cash needed$67,296.99
Remaining funds due$67,296.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,989.80
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)$1,191.75
Initial HOA (3 months)$206.25
Prepaid interest, first (28 days)$1,781.54
Fees + prepaids$13,394.34
Your down payment is the seller’s equity. You take over the $345,077 balance, so the rest of the $398,980 price is paid at closing. A second mortgage can cover part of it. $67,296.99 is due at closing. Uses and sources reconcile at $412,374.34 each. Not a Closing Disclosure.