Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$13,459Cash toward the purchase price.
Closing costs + prepaids$13,354Not just lender fees.
Before credits & paid funds$26,813The complete starting cash picture.
Estimated remaining funds due at closing
$26,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,458.52
Your down payment$13,458.52
Closing costs + prepaids$13,354.06
Total buyer cash needed$26,812.58
Remaining funds due$26,812.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$652.00
Initial HOA (3 months)$324.00
Prepaid interest, first (28 days)$2,253.06
Fees + prepaids$13,354.06
Your down payment is the seller’s equity. You take over the $376,541 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $26,812.58 is due at closing. Uses and sources reconcile at $403,354.06 each. Not a Closing Disclosure.