Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$18,809Cash toward the purchase price.
Closing costs + prepaids$11,531Not just lender fees.
Before credits & paid funds$30,340The complete starting cash picture.
Estimated remaining funds due at closing
$30,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,808.86
Your down payment$18,808.86
Closing costs + prepaids$11,530.66
Total buyer cash needed$30,339.53
Remaining funds due$30,339.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$466.75
Initial HOA (3 months)$314.01
Prepaid interest, first (10 days)$634.90
Fees + prepaids$11,530.66
Your down payment is the seller’s equity. You take over the $370,191 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $30,339.53 is due at closing. Uses and sources reconcile at $400,530.66 each. Not a Closing Disclosure.