Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$2,661Cash toward the purchase price.
Closing costs + prepaids$11,592Not just lender fees.
Before credits & paid funds$14,253The complete starting cash picture.
Estimated remaining funds due at closing
$14,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,660.59
Your down payment$2,660.59
Closing costs + prepaids$11,591.92
Total buyer cash needed$14,252.51
Remaining funds due$14,252.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$270.00
Prepaid interest, first (10 days)$729.92
Fees + prepaids$11,591.92
Your down payment is the seller’s equity. You take over the $387,239 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $14,252.51 is due at closing. Uses and sources reconcile at $401,491.92 each. Not a Closing Disclosure.