Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$52,399Cash toward the purchase price.
Closing costs + prepaids$11,619Not just lender fees.
Before credits & paid funds$64,017The complete starting cash picture.
Estimated remaining funds due at closing
$64,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,398.66
Your down payment$52,398.66
Closing costs + prepaids$11,618.63
Total buyer cash needed$64,017.29
Remaining funds due$64,017.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,895.00
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)$488.00
Initial HOA (3 months)$135.00
Prepaid interest, first (19 days)$875.63
Fees + prepaids$11,618.63
Your down payment is the seller’s equity. You take over the $337,101 balance, so the rest of the $389,500 price is paid at closing. A second mortgage can cover part of it. $64,017.29 is due at closing. Uses and sources reconcile at $401,118.63 each. Not a Closing Disclosure.