Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$65,784Cash toward the purchase price.
Closing costs + prepaids$12,318Not just lender fees.
Before credits & paid funds$78,102The complete starting cash picture.
Estimated remaining funds due at closing
$78,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,783.64
Your down payment$65,783.64
Closing costs + prepaids$12,318.19
Total buyer cash needed$78,101.83
Remaining funds due$78,101.83
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)$402.25
Initial HOA (3 months)$176.76
Prepaid interest, first (29 days)$1,564.18
Fees + prepaids$12,318.19
Your down payment is the seller’s equity. You take over the $329,216 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $78,101.83 is due at closing. Uses and sources reconcile at $407,318.19 each. Not a Closing Disclosure.