Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,717Cash toward the purchase price.
Closing costs + prepaids$12,436Not just lender fees.
Before credits & paid funds$36,154The complete starting cash picture.
Estimated remaining funds due at closing
$36,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,717.39
Your down payment$23,717.39
Closing costs + prepaids$12,436.12
Total buyer cash needed$36,153.51
Remaining funds due$36,153.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.90
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)$306.75
Initial HOA (3 months)$345.00
Prepaid interest, first (23 days)$1,659.47
Fees + prepaids$12,436.12
Your down payment is the seller’s equity. You take over the $366,273 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $36,153.51 is due at closing. Uses and sources reconcile at $402,426.12 each. Not a Closing Disclosure.