Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$26,759Cash toward the purchase price.
Closing costs + prepaids$12,177Not just lender fees.
Before credits & paid funds$38,936The complete starting cash picture.
Estimated remaining funds due at closing
$38,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,759.29
Your down payment$26,759.29
Closing costs + prepaids$12,176.75
Total buyer cash needed$38,936.05
Remaining funds due$38,936.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$303.25
Prepaid interest, first (29 days)$1,758.50
Fees + prepaids$12,176.75
Your down payment is the seller’s equity. You take over the $362,241 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $38,936.05 is due at closing. Uses and sources reconcile at $401,176.75 each. Not a Closing Disclosure.