Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,459Cash toward the purchase price.
Closing costs + prepaids$13,581Not just lender fees.
Before credits & paid funds$43,040The complete starting cash picture.
Estimated remaining funds due at closing
$43,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,458.71
Your down payment$29,458.71
Closing costs + prepaids$13,581.17
Total buyer cash needed$43,039.87
Remaining funds due$43,039.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$720.50
Initial HOA (3 months)$1,326.00
Prepaid interest, first (27 days)$1,459.67
Fees + prepaids$13,581.17
Your down payment is the seller’s equity. You take over the $355,541 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $43,039.87 is due at closing. Uses and sources reconcile at $398,581.17 each. Not a Closing Disclosure.