Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$57,168Cash toward the purchase price.
Closing costs + prepaids$12,370Not just lender fees.
Before credits & paid funds$69,537The complete starting cash picture.
Estimated remaining funds due at closing
$69,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,167.64
Your down payment$57,167.64
Closing costs + prepaids$12,369.57
Total buyer cash needed$69,537.21
Remaining funds due$69,537.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,945.00
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)$700.00
Initial HOA (3 months)$180.00
Prepaid interest, first (22 days)$1,319.57
Fees + prepaids$12,369.57
Your down payment is the seller’s equity. You take over the $337,332 balance, so the rest of the $394,500 price is paid at closing. A second mortgage can cover part of it. $69,537.21 is due at closing. Uses and sources reconcile at $406,869.57 each. Not a Closing Disclosure.