Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,586Cash toward the purchase price.
Closing costs + prepaids$10,963Not just lender fees.
Before credits & paid funds$62,549The complete starting cash picture.
Estimated remaining funds due at closing
$62,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,585.89
Your down payment$51,585.89
Closing costs + prepaids$10,962.95
Total buyer cash needed$62,548.83
Remaining funds due$62,548.83
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)$325.25
Initial HOA (3 months)$573.00
Prepaid interest, first (1 days)$49.70
Fees + prepaids$10,962.95
Your down payment is the seller’s equity. You take over the $327,414 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $62,548.83 is due at closing. Uses and sources reconcile at $389,962.95 each. Not a Closing Disclosure.