Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$29,507Cash toward the purchase price.
Closing costs + prepaids$11,357Not just lender fees.
Before credits & paid funds$40,864The complete starting cash picture.
Estimated remaining funds due at closing
$40,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,507.43
Your down payment$29,507.43
Closing costs + prepaids$11,356.78
Total buyer cash needed$40,864.20
Remaining funds due$40,864.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$468.00
Initial HOA (3 months)$186.00
Prepaid interest, first (9 days)$577.78
Fees + prepaids$11,356.78
Your down payment is the seller’s equity. You take over the $360,493 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $40,864.20 is due at closing. Uses and sources reconcile at $401,356.78 each. Not a Closing Disclosure.