Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$56,491Cash toward the purchase price.
Closing costs + prepaids$10,961Not just lender fees.
Before credits & paid funds$67,453The complete starting cash picture.
Estimated remaining funds due at closing
$67,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,491.08
Your down payment$56,491.08
Closing costs + prepaids$10,961.48
Total buyer cash needed$67,452.56
Remaining funds due$67,452.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$545.50
Initial HOA (3 months)$285.00
Prepaid interest, first (2 days)$55.98
Fees + prepaids$10,961.48
Your down payment is the seller’s equity. You take over the $328,509 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $67,452.56 is due at closing. Uses and sources reconcile at $395,961.48 each. Not a Closing Disclosure.