Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$43,127Cash toward the purchase price.
Closing costs + prepaids$13,635Not just lender fees.
Before credits & paid funds$56,763The complete starting cash picture.
Estimated remaining funds due at closing
$56,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,127.05
Your down payment$43,127.05
Closing costs + prepaids$13,635.49
Total buyer cash needed$56,762.55
Remaining funds due$56,762.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.96
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)$975.00
Initial HOA (3 months)$1,329.00
Prepaid interest, first (23 days)$1,206.53
Fees + prepaids$13,635.49
Your down payment is the seller’s equity. You take over the $346,869 balance, so the rest of the $389,996 price is paid at closing. A second mortgage can cover part of it. $56,762.55 is due at closing. Uses and sources reconcile at $403,631.49 each. Not a Closing Disclosure.