Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,031Cash toward the purchase price.
Closing costs + prepaids$13,079Not just lender fees.
Before credits & paid funds$65,110The complete starting cash picture.
Estimated remaining funds due at closing
$65,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,031.48
Your down payment$52,031.48
Closing costs + prepaids$13,078.88
Total buyer cash needed$65,110.37
Remaining funds due$65,110.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$1,389.75
Initial HOA (3 months)$258.00
Prepaid interest, first (27 days)$1,307.13
Fees + prepaids$13,078.88
Your down payment is the seller’s equity. You take over the $337,869 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $65,110.37 is due at closing. Uses and sources reconcile at $402,978.88 each. Not a Closing Disclosure.