Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$64,084Cash toward the purchase price.
Closing costs + prepaids$11,960Not just lender fees.
Before credits & paid funds$76,044The complete starting cash picture.
Estimated remaining funds due at closing
$76,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,083.52
Your down payment$64,083.52
Closing costs + prepaids$11,960.32
Total buyer cash needed$76,043.83
Remaining funds due$76,043.83
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)$512.25
Initial HOA (3 months)$50.01
Prepaid interest, first (24 days)$1,323.06
Fees + prepaids$11,960.32
Your down payment is the seller’s equity. You take over the $320,916 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $76,043.83 is due at closing. Uses and sources reconcile at $396,960.32 each. Not a Closing Disclosure.