Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$39,292Cash toward the purchase price.
Closing costs + prepaids$12,811Not just lender fees.
Before credits & paid funds$52,103The complete starting cash picture.
Estimated remaining funds due at closing
$52,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,292.26
Your down payment$39,292.26
Closing costs + prepaids$12,810.66
Total buyer cash needed$52,102.92
Remaining funds due$52,102.92
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)$972.50
Initial HOA (3 months)$270.00
Prepaid interest, first (29 days)$1,453.16
Fees + prepaids$12,810.66
Your down payment is the seller’s equity. You take over the $349,708 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $52,102.92 is due at closing. Uses and sources reconcile at $401,810.66 each. Not a Closing Disclosure.