Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$73,267Cash toward the purchase price.
Closing costs + prepaids$13,558Not just lender fees.
Before credits & paid funds$86,825The complete starting cash picture.
Estimated remaining funds due at closing
$86,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,266.54
Your down payment$73,266.54
Closing costs + prepaids$13,558.00
Total buyer cash needed$86,824.53
Remaining funds due$86,824.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$947.50
Initial HOA (3 months)$1,230.00
Prepaid interest, first (26 days)$1,365.50
Fees + prepaids$13,558.00
Your down payment is the seller’s equity. You take over the $305,733 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $86,824.53 is due at closing. Uses and sources reconcile at $392,558.00 each. Not a Closing Disclosure.