Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$13,242Cash toward the purchase price.
Closing costs + prepaids$12,587Not just lender fees.
Before credits & paid funds$25,829The complete starting cash picture.
Estimated remaining funds due at closing
$25,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,242.46
Your down payment$13,242.46
Closing costs + prepaids$12,586.66
Total buyer cash needed$25,829.11
Remaining funds due$25,829.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,920.00
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)$639.00
Initial HOA (3 months)$342.00
Prepaid interest, first (23 days)$1,460.66
Fees + prepaids$12,586.66
Your down payment is the seller’s equity. You take over the $378,758 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $25,829.11 is due at closing. Uses and sources reconcile at $404,586.66 each. Not a Closing Disclosure.