Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$23,348Cash toward the purchase price.
Closing costs + prepaids$11,519Not just lender fees.
Before credits & paid funds$34,867The complete starting cash picture.
Estimated remaining funds due at closing
$34,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,347.68
Your down payment$23,347.68
Closing costs + prepaids$11,518.86
Total buyer cash needed$34,866.54
Remaining funds due$34,866.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.99
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)$288.00
Prepaid interest, first (10 days)$637.87
Fees + prepaids$11,518.86
Your down payment is the seller’s equity. You take over the $366,651 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $34,866.54 is due at closing. Uses and sources reconcile at $401,517.86 each. Not a Closing Disclosure.