Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$57,540Cash toward the purchase price.
Closing costs + prepaids$12,594Not just lender fees.
Before credits & paid funds$70,135The complete starting cash picture.
Estimated remaining funds due at closing
$70,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,540.50
Your down payment$57,540.50
Closing costs + prepaids$12,594.46
Total buyer cash needed$70,134.96
Remaining funds due$70,134.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,380.00
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)$327.50
Initial HOA (3 months)$297.00
Prepaid interest, first (27 days)$1,364.96
Fees + prepaids$12,594.46
Your down payment is the seller’s equity. You take over the $380,460 balance, so the rest of the $438,000 price is paid at closing. A second mortgage can cover part of it. $70,134.96 is due at closing. Uses and sources reconcile at $450,594.46 each. Not a Closing Disclosure.