Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$20,016Cash toward the purchase price.
Closing costs + prepaids$11,645Not just lender fees.
Before credits & paid funds$31,661The complete starting cash picture.
Estimated remaining funds due at closing
$31,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,016.40
Your down payment$20,016.40
Closing costs + prepaids$11,644.95
Total buyer cash needed$31,661.36
Remaining funds due$31,661.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,915.00
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)$469.75
Initial HOA (3 months)$336.00
Prepaid interest, first (10 days)$699.20
Fees + prepaids$11,644.95
Your down payment is the seller’s equity. You take over the $371,484 balance, so the rest of the $391,500 price is paid at closing. A second mortgage can cover part of it. $31,661.36 is due at closing. Uses and sources reconcile at $403,144.95 each. Not a Closing Disclosure.