Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$16,097Cash toward the purchase price.
Closing costs + prepaids$10,840Not just lender fees.
Before credits & paid funds$26,937The complete starting cash picture.
Estimated remaining funds due at closing
$26,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,096.76
Your down payment$16,096.76
Closing costs + prepaids$10,840.45
Total buyer cash needed$26,937.21
Remaining funds due$26,937.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$12.99
Prepaid interest, first (23 days)$802.56
Fees + prepaids$10,840.45
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $379,990 price is paid at closing. A second mortgage can cover part of it. $26,937.21 is due at closing. Uses and sources reconcile at $390,830.45 each. Not a Closing Disclosure.