Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$52,060Cash toward the purchase price.
Closing costs + prepaids$11,489Not just lender fees.
Before credits & paid funds$63,549The complete starting cash picture.
Estimated remaining funds due at closing
$63,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,059.87
Your down payment$52,059.87
Closing costs + prepaids$11,489.36
Total buyer cash needed$63,549.23
Remaining funds due$63,549.23
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)$454.75
Initial HOA (3 months)$573.00
Prepaid interest, first (9 days)$446.61
Fees + prepaids$11,489.36
Your down payment is the seller’s equity. You take over the $326,940 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $63,549.23 is due at closing. Uses and sources reconcile at $390,489.36 each. Not a Closing Disclosure.