Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$28,051Cash toward the purchase price.
Closing costs + prepaids$11,348Not just lender fees.
Before credits & paid funds$39,399The complete starting cash picture.
Estimated remaining funds due at closing
$39,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,051.18
Your down payment$28,051.18
Closing costs + prepaids$11,347.90
Total buyer cash needed$39,399.08
Remaining funds due$39,399.08
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)$462.00
Initial HOA (3 months)$186.00
Prepaid interest, first (10 days)$624.90
Fees + prepaids$11,347.90
Your down payment is the seller’s equity. You take over the $356,949 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $39,399.08 is due at closing. Uses and sources reconcile at $396,347.90 each. Not a Closing Disclosure.