Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,742Cash toward the purchase price.
Closing costs + prepaids$13,486Not just lender fees.
Before credits & paid funds$66,228The complete starting cash picture.
Estimated remaining funds due at closing
$66,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,742.31
Your down payment$52,742.31
Closing costs + prepaids$13,486.04
Total buyer cash needed$66,228.35
Remaining funds due$66,228.35
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)$1,639.00
Initial HOA (3 months)$261.00
Prepaid interest, first (24 days)$1,411.04
Fees + prepaids$13,486.04
Your down payment is the seller’s equity. You take over the $342,258 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $66,228.35 is due at closing. Uses and sources reconcile at $408,486.04 each. Not a Closing Disclosure.