Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$46,150Cash toward the purchase price.
Closing costs + prepaids$13,518Not just lender fees.
Before credits & paid funds$59,667The complete starting cash picture.
Estimated remaining funds due at closing
$59,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,149.61
Your down payment$46,149.61
Closing costs + prepaids$13,517.82
Total buyer cash needed$59,667.43
Remaining funds due$59,667.43
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)$1,744.75
Initial HOA (3 months)$35.01
Prepaid interest, first (26 days)$1,663.06
Fees + prepaids$13,517.82
Your down payment is the seller’s equity. You take over the $338,850 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $59,667.43 is due at closing. Uses and sources reconcile at $398,517.82 each. Not a Closing Disclosure.